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Working Hard Debt Diary - Here goes
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:DJust flicking around on the internet and notices that I'd got £30 unclaimed in my TCB account. This needless to say is now winging its way to be debt fund account.
I've also got another £220 at various stages with Quidco. Just under £50 can be paid out and the rest at various stages which seem to be taking an age. Plus one yet to track for our holiday flights. This will help with the debt payments next month to cover the overpsend last month
. Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
Not much snow where we are. So schools have remained open
but side roads are icy and treacherous :rolleyes:. Can't be helped though.
Money has been confirmed on its way from TCB so that will go towards to recent overspends.
Got a letter from the N/wide today saying because we overpaid our mortgage this money they'll reduce the regular monthly repayment
What!! A quick call changed the reduced monthly repayment to a reduced term (£500 knocked roughly 2 months off the term ) which will now happen each month. Therefore by the end of the year our term will have reduced to a mere 10 years! Mind you once we're DF and organised I want to reduce the term by a couple of years. This will make up for when we consolidated (i know now of course:eek:) a good few years back. Lessons well and truly learnt!
Oh and I had a rare NSD today :rolleyes:
Onwards.......Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
Good news on the mortgage
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 -
Ooh, a serious contender for the MFiT challenge!! Good for you, and I am sure you will get that 10 years reduced in no time too!!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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I was quite suprised myself I must say but all a plus and helps motivate us as our debt reduces.
So cold here but not vast quantities of snow so thats a positive.Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
WHDFW~If you havent already would you mind posting on How much have you paid off your debt in 2009 thread?Ta.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 -
Brilliant news on the mortgage - hope you're very proud of yourself 1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Feeling quite chuffed at present however we're still not DF and we need to get there soon.....I don't want it hanging about for much longer.
Slowly we'll all get thereWorking Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0 -
Where is that thread located then Beanielou?Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0
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