Tidying up the mess

Sunshine_girl2

Well done Babystepper under 10k . You will be debt free in a few months , so worth it. Hope the car is ok and doesn't cost a fortune.

[Deleted User]

:T Look at you go! Amazing work, so pleased for you getting rid of Santander, you’re smashing this

enthusiasticsaver

BabyStepper wrote: »

[STRIKE]Barclaycard (1) £3,044.54[/STRIKE] PAID OFF
[STRIKE]Lloyds (1) cc £434.33[/STRIKE] PAID OFF
[STRIKE]Barclaycard (2) £517.12[/STRIKE] PAID OFF
[STRIKE]Hitachi loan £970.60[/STRIKE] PAID OFF
[STRIKE]Overdraft £2,000[/STRIKE] PAID OFF
[STRIKE]Santander cc £3,435.67[/STRIKE] PAID OFF
Barclaycard (3) £1,250/£1,020 0% Feb 2020
MBNA cc £5,325.99/£4,820 0% Feb 2020
Lloyds (2) £907.57/£760 0% Nov 2020
Halifax cc £3,342.25/£2,765 0% Oct 2020

Total May 2018 £21,228.07
Total September 2019 £9,365
£11,863.07 paid off :T:T:T

Under £10k!!! :j:j:j

Fantastic. Well done. Also good your wage not down massively with pension coming out. That Barclaycard will be gone next month hopefully. Fingers crossed the car doesn't cost a lot to fix but at least you have emergency savings if the car pot is not enough. Under £10k is brill.

savingholmes

Under £10K is fab. Well done.

BabyStepper

Hi everyone

I have been awol for a while as OH has had some serious health problems, all resolved now but it has been a very worrying month for us involving various hospital visits and treatment. I've managed to keep us financially on the straight and narrow just about, minus hospital parking expenses and food, and a missed day of work from me. We're counting our blessings that everything seems fine now but it has been quite a scare. Very glad it's over.

In other news, the car cost a lot more than we had hoped for but hey ho, it was very cheap and is running well now.

Overall, the car fund was wiped out and the emergency fund took a massive hit. We have made the planned big overpayment and got rid of the barclaycard (yippee!). However, we would have done better to top up the emergency fund but I haven't been thinking straight the last few weeks so we just stuck to the plan. The emergency fund will get topped up next month once I'm back in the swing of things.

Debt total is just under £8k, the smallest it has ever been. I'll do a full update later once I've made a plan for increasing the emergency fund etc. I do think this situation has been easier to manage with some cash available and less debt to worry about. But I have to say, the debt has taken a back seat and we just spent what we needed to in order to make things easier.

I'm off to catch up on some diaries. I hope everyone is doing well and in good health.

enthusiasticsaver

Oh my goodness babystepper. I was just thinking the other day I had not seen a post from you with your usual monthly update. How worrying for you both but so pleased that all seems to be OK with your OH now. Having stable finances is very useful when coping with emergencies.

[Deleted User]

Very glad to see you back and that OH is ok x

girlatplay

Good to see you back. There has been a lot of health stuff going on with various people I know recently which is all outwith the usual coughs and colds. I'm glad your OH is ok. It's quite scary.

Kitten868

Hey BS,

So sorry to hear things have been so tough. I'm so pleased that you've already started this journey and have been in the position to not let it derail things and able to just focus on getting your husband getting better. And even better news you're both coming out the other side now.

Hope everything continues improving xxx

Moneywhizz

Oh sorry to hear about your husband's health scare. Just puts everything into perspective, but also shows that having enough money to deal with unexpected expenses eases the strain at a time like this. Having to worry about money at the same time as dealing with health issues must be very stressful. Well done on keeping things under control at such a worrying time.