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20/20 Vision (repaying a debt to my home and myself)
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Baby steps.
Keep plodding
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Take time out to give yourself a major clap on the back. You’ve had disappointments and upsets but you’re still dealing with the world. You’re doing brilliantlyMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Nice to see you back DIA. Sorry to hear about your relative, at least you managed to see them in the last year.
If anyone can come up with a plan for your future it's you . I say things happen for a reason, you didn't enjoy your work so maybe it's time to re-evaluate and go forward.
Have a good weekend.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
HairyHandofDartmoor wrote: »Good luck with the PPI claim, I hope it pays out.
You do have a lot on your plate at the moment, so hopefully things will seem clearer soon.Baby steps.
Keep plodding
Thank you everyonein_need_of_direction wrote: »Take time out to give yourself a major clap on the back. You’ve had disappointments and upsets but you’re still dealing with the world. You’re doing brilliantly If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thanks Cumbria. I agree it will be a good time to revaluate.Cumbria_lass wrote: »Nice to see you back DIA. Sorry to hear about your relative, at least you managed to see them in the last year.
If anyone can come up with a plan for your future it's you . I say things happen for a reason, you didn't enjoy your work so maybe it's time to re-evaluate and go forward.
Have a good weekend.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
My lovely relative died of cancer so I decided to take up a screening that I had previously turned down as being too embarrassing. That is a silly attitude, so yesterday I spoke to the screening centre and will have the test in May.
I was successful with one of my travel refunds. Only £17 but that has gone towards the car insurance fund. I’ll do the other one at work next week
PPI form posted (I couldn’t find the energy yesterday)
Tonight I did my eyebrows (saving £7). I also gave myself a facial. My face looks much better.
I got on top of (some of) the mess in the house and did some ironing.
Tomorrow is busy with calls and funeral prep so by the time I check in here next the funeral will be over and I can shift my focus to finding out more about my work situation.
Hope you are all well out thereIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Hope you get through the funeral as ok as you can beMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Oh DIA, you have so much on your plate at the moment. I really hope you get some clarity and a plan in place soon so that you can get back into your groove.
I'm so sorry to hear about your relative - I hope the funeral goes well today and you manage to say your goodbyes. Thinking of you.
On the job front - scary as it is, i think you might be able to use this as an opportunity to really decide what your next move is. If you had to take the leap to leave your job, you might never do it but when the decision is made for you then you are forced to make some tough choices and do some hard thinking. Ok, maybe time isn't on your side and you need to make sure you have some money coming in but I have no doubt that you'll come up with a good plan. How long do you have until you leave?
Fingers crossed on the PPI!Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
I hope the funeral goes as well as these things can.
Well done on having the screening, they can be embarassing but it's definitely worth having them. Well done on posting the PPI form too. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Thanks INOD. Just glad it is over.in_need_of_direction wrote: »Hope you get through the funeral as ok as you can be
Wise words as always Homegrown. Thank you. I won't know the details until I have a consultation meeting next week. The timing isn't great but I am already starting to see the many positives in this situation.Homegrown0 wrote: »Oh DIA, you have so much on your plate at the moment. I really hope you get some clarity and a plan in place soon so that you can get back into your groove.
I'm so sorry to hear about your relative - I hope the funeral goes well today and you manage to say your goodbyes. Thinking of you.
On the job front - scary as it is, i think you might be able to use this as an opportunity to really decide what your next move is. If you had to take the leap to leave your job, you might never do it but when the decision is made for you then you are forced to make some tough choices and do some hard thinking. Ok, maybe time isn't on your side and you need to make sure you have some money coming in but I have no doubt that you'll come up with a good plan. How long do you have until you leave?
Fingers crossed on the PPI!
Thanks HH. I am going to plan a nice treat for straight after the horrible screeningHairyHandofDartmoor wrote: »I hope the funeral goes as well as these things can.
Well done on having the screening, they can be embarassing but it's definitely worth having them. Well done on posting the PPI form too. If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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