1st post and 1st step to clearing £19k in 18 month

Soundgirlrocks

MissF87 wrote: »

@soundgirl - I bought a house, no fees :-)

Sorry I got it into my head you had bought a flat - London mind-set I guess!

thegirlinthegreenscarf

loken152 wrote: »

I was in a simular position not long ago, heres my story if you want a read it may give you a few ideas? Good luck and keep your head up you will reach the end of the tunnel.

https://forums.moneysavingexpert.com/discussion/5664158

I hadn't heard of Dave Ramsay until came on here. I have downloaded his audio book but find him difficult to listen to. Could you direct me to any articles or videos in particular? It can be a bit overwhelming at times

Raven42

Having made a move 260 miles in similar circumstances it took me 7 months to find work. Normally I was the kind that in the few times I'd moved in my 18 year career it was a matter of weeks if not days so I started to ask and it became clear it was the address on my CV being so far from that of the job which was a problem. Once I "moved" to my now wife's address and "commuted" to the job I would be leaving I found more interviews and a job offer arrived very quickly.

scoobysnax40

I appreciate your insight, MissF87.

The credit card thing is exactly what I have been aiming towards over the last few months - bringing it down to just the one card and keeping the limit at a much more manageable amount. I just need to clear the current balance and then discipline myself to not use the card unless absolutely necessary and then, when I do use it, to clear the balance every month and not let it accrue any interest.

I like your idea of the extra account and have applied online to open a low interest savings account with my bank. I am hoping it should be up and running by early next week. I'm planning to sit down over the weekend now and work out the large annual bills, like car insurance and an estimate for each of those and then set up a little Standing Order to throw a few quid into the account every week.

I get the whole thing about the boyfriend. I moved to London from Dublin for my job almost 3 years ago, but then again, I had a position lined up here and accommodation with an uncle so it's not exactly the same situation, but I certainly get that it can't be easy picking up your life and transporting it to another part of the country and then trying to find a new job. It can be very daunting. I'm glad the issues uploading his CV has been sorted though, and hopefully he will have more luck on the job front over the coming few months.

I'm intrigued to see your new SOA so don't forget to get that posted

Speak to you soon!

MissF87

Hey!

Just wanted to post an update on my situation. So things didn't go to plan as the above, however my boyfriend has been moved in since October so that's one step forward. I also got my debt consolidated into a loan as I was offered a good rate when I switched my mortgage over to Nationwide a couple of months ago. This has made things more manageable.

I've changed jobs and should be getting a pay rise in April but it also means I'll be earning more commission moving forward so that's good also.

We've just put my house on the market as well, we've seen some new builds which we would like to buy together, however these won't be ready until early 2020. The plan is to sell & then move back in with my parents (eek!) for the time in between, probably around 6 months. Not ideal but by the time we come to move into the new house we will be debt free with the exception of our mortgage, obviously, which is incredible. Later than planned but the end is in sight.

When we first floated the idea of moving I was expecting to be told that the house was worth less than we paid, however I've been really surprised with the value! So it's looking like I'll be making a 15% profit which is incredible after just 2 years. The house isn't listed yet but the agents have already started calling out and we have a viewing booked on Wednesday already.

So in summary, I'm behind but I'll be there before christmas!

scoobysnax40

Delighted things are going so well. Well done on the progress to date