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I am being upgraded from Mum to Nan - I need a plan!
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All good thenI 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 -
It's been a busy month. I logged on a couple of weeks ago to update my diary and totals but was interrupted by the phone and work has kept me busy.This month has been a good month on the whole. Plenty of NSDs, debt repayments were made and I've now had my final dental bill so definitely a one step forward two back there but the work needed to be done and at least it's all over now. I will have to visit the dentist every 3 months to monitor progress and for deep cleaning. I could have ignored it all but there was a serious risk I could have ended up losing some of my teeth so I think on balance I would rather my debt increase.I met up with my friend which turned out to be a cheapish evening but I have also met up with my cousin twice and they have turned out to be fairly expensive evenings but it was nice to catch-up.I have cashed in quite a few of my Nectar points building up a bit of a spare cupboard for toiletries, cat food and other bits. I thought it would be cheaper that way but my word, I think I have gone a bit overboard but I won't need to buy anything other than cat food for at least the next 3 months. I tried to rationalise these spends as 'inflation proof'.Work is still going well. Should find out about payrises in the not too distant future so fingers crossed for a decent one. Other than my daily commuting costs, I have no planned spends for the rest of the month.DD is looking very pregnant now and my Grandson is as gorgeous as ever but he's going through a very weird phase at the moment. I hope his mood improves by next Thursday otherwise I shall cancel my day off and work instead!BC1: 1460 1065 730 365 £0
BC2: 4116 3999 3899 3799 3699 3599 3499 3299 2979 2659 2399 2019 £0
Halifax MC: 10208.14 9895 9645 9277.33 8890.12 £5998253.95 7666.74 7239.53 7015.24 £0
TSB Loan: 3083.34 2902.70 2721.98 2540.59 2358.17 2,175.38 1991.32 1807.63 1,623.54 1431.38 1158.28 928.88 716.06 502.72 287.77 74.43 £0
Barclays Finance: 1049 961.58 874.16 786.94 699.32 611.60 524.48 437.06 349.64 262.22 174.80 87.38 £0
MBNA: 7105 6925 6745 6565 6385 6205 5830 5050 4800 4300 3800 3300 2800 2300 1800 £1300
Total Debt at highest December 2017: £28,929.14/£1300 + new debt: £3850 / Emergency Fund £44500
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