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Working Hard Debt Diary - Here goes
Comments
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Hi WH, I had to call and reorder my internet and thought i'd lost the cashback but its actually paid this month along with some stuff I bought at xmas! so with a bit of luck it will still track - send in a query if it doesn;t - worth a try
Hey Beanie, fab news on the CC's keep it up! cgxCC Debt: Jan 10 £21,660 now £8,170 hurrah!0 -
ahhh well maybe you can get a good deal
on new glasses xx I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680 -
Hopefully when I get a chance to get there.
I've just had to order some holiday bits for the kids (some rash tops)£25 later but worth it to stop them from burning in the hot sun. OH is threatening a holiday spend as well - shorts and swimmers....Help!!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 -
hey if the kids need them then its money well spent.... i dont know where time has gone today :OI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Thanks HTBDF they do need the bits to help prevent them getting burnt. They're very fair skinned and its a price worth paying.
Great joy I finally got a payout on TCB. £78 is winging its way to me. This will be used to pay for HOYS tickets which I bought and promised my DD for getting a good school report. I'm not sure that I'd planned how I was going to pay for these so that's a plus.
The S/O's all come out tomorrow so our bank balance goes from Wheyhey to zero more or less. Quite a few moves required to change my spending diary from red (oustanding items) to green (all sorted bought and paid for) but I can do that tomorrow. Super sad isn't it but that what's it takes.
OH has been pursuaded that we can do a few days away in October. I'm just waiting for him to confirm his annual leave is booked and then I will book it. It hard to believe that we'll go away twice and a family in one year
:):T
Now going to tackle getting two very tired lads into bed. School trips today, so much excitement and fun but has left me with very cranky boys.
Must start to get organised for the school hols and our hols.....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 -
Enjoy the evening and yay on the october get away xx I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Another two months off the mortage by overpaying it. This means that we're now down to 10 years exactly. I can't quite work out the reduction rate since it appears to be more than 1 month per £500 overpayment and for the last couple its been two months. Heck who cares its less debt isn't it.
Here comes the weekend....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 -
I suppose the less you owe the less the interest & it will reduce the term more & more.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 -
Yay on the mortgage xx I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Wow! thats really impressive - I don't know how long we have left on our mortgage, think its 16 or 14 years - I should know really shouldn't I! its not due for renewal till next Aug and is fixed at a whopping 6.29%!!! Mind you, our first house the mortgage was 16%!!!!Gutted when I think how much I could have been overpaying cgxCC Debt: Jan 10 £21,660 now £8,170 hurrah!0
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