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Eager Elephant's Exciting Elimination.....

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  • Savvy_Sue
    Savvy_Sue Posts: 47,352 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I was also going to suggest buying second hand - also worth looking at local charity shops, some of which will have dedicated sections of 'occasions'.
    Signature removed for peace of mind
  • in_need_of_direction
    in_need_of_direction Posts: 7,727 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    DD got her first prom dress for £19 in tkmaxx
    Mortgage 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.
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Fab news on the backpay coming through. Take good care of yourself EE..thinking of you.

    Brizzle x
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    And another 5 months pass in a blur...………………

    So what's changed in 5 months....well nothing really and I am so annoyed with myself:mad:

    I can't keep avoiding my debt especially now the minimum payments take up so much of my income.
    I haven't been saving the money from the other job either, its been swallowed up just to cover day to day outgoings.

    I have redone my budget today and all my wages are needed for bills, debt repayments and petrol. So the money from my 2nd job will be needed for food.

    Not sure what will happen with annual expenses at the moment although my brother has kindly sorted out the last MOT on the truck and the car. I still owe him money from when the dog had her operation :(

    Anyway enough of the negativity, all good journeys need to start somewhere and mine is starting today so I will post up my budget and my debts and vow not to use my credit cards or any credit unless absolutely necessary.

    And for those who knew of STEXH, my Decree Nisi was in court a few weeks ago so I will be able to apply for Decree Absolute in December. Happy New Year to me!!!!!!!
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    At least the Decree Absolute is in sight so that is good.

    Sorry money so tight and hope you manage to get a workable budget together. Is the debt at 0%?

    Nice to see you posting again.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    You know I feel your pain EE. But huge congratulations on getting the divorce on the go - that sounds like it's going to be an amazing Christmas present for you.
    Hope you can get the finances sorted too. Is that all sorted out between the two of you - no house/pensions etc to battle over?
    Are you getting maintenance for dd?
    Not giving up
    Working hard to pay off my debt
    Time to take back control
    https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the decree absolute.
    Good to see you :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to see you back xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Great to hear from you! Congratulations on the divorce. I'm sure you'll be well on your way to sorting the debts out now.
    Vx
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Welcome back, congrats on the divorce x
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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