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Debt, debt and more debt.

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  • Primrose
    Primrose Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    Emma. I truly hope yiur honest conversation with your mum will have hit home and that she will now back off and think long and hard before starting contentious conversations with you..  Yiu have done incredibly well on reducing your debts.  Any long haul endeavour requires patience - a 25 year mortgage also feels like a lifetime of penance but if you just get on with life at the same time the penanceslowly drip feeds away.   One can dres incredibly well on charity shop clothing. The wearer is the onky one who knows its source and getting bargains while everybody else is paying through the nose for items, while you're reducing your debts at the same time is a double bonus.  Keep up with the good work.  You,ve done amazing well since starting your new life.  Your ex is going to have such a crash when his lack of reality finally implodes.  Every pound off your debts is the equivalent of another boulder round his neck as he still refuses to face to face the realities of the life he's living.  
  • AntoMac
    AntoMac Posts: 2,669 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Well done for being open and honest with your Mum Emma. Sometimes just being able to say how you actually feel can lift an enormous weight.  Things seem to be on a more positive track for you at the moment. Keep going
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Hello again,
    My experience is that genuinely happy people don't post about it on Facebook. They're too busy having fun and loving their partner to spend time talking about it online. They are just doing it all for the attention they aren't getting from the relationship. You would know very little me and my relationship from my Facebook. You certainly wouldn't know I have kids. Don't let that fake stuff upset you. Poor her is all I have to say about it. She's walking into a nightmare and the early doors isn't fun. 

    Your mum and your daughter have both said you're good looking. They must mean it. That's nice. I guess. 
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Whoops. Wasn't finished. I would say it's clear from your posts that you're a very caring and kind person. And kindness is my favourite trait. I think its the most important so you're a winner in my book. 

    And £29k is ace. Once you start on the f&f offers you'll be cutting it right down. You're doing brilliantly xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Four_Seasons
    Four_Seasons Posts: 916 Forumite
    Fifth Anniversary 500 Posts
    What a lovely positive post to read first thing in a morning, you are doing so well x
  • Sarahwithlove
    Sarahwithlove Posts: 3,322 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I love that you find ways to make the money your spending back. I'm losing weight at the moment and think like yourself I may have to start looking in charity shops now they are open again. Although I'm not as good as you at selling on clothes that no longer fit 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Primrose
    Primrose Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    Well done on the book project Emma.  I suspect as you progress it will dig up a lot of memories which hopefully now, with more experience behind you, you'll be able to process and reinvent in a positive way, whatever your plot or theme.   It will also be a long term project to focus on and no doubt your running time will be a source of idea generation so two bonuses in one !
  • Primrose
    Primrose Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    Great to see another positive post from you Emma.
    If yiur  ex were ever to read these I think he would be surprised at how effectively you atr managing to shake off all his negative influences.  And at the end of the day, when he comes crashing down, that perhaps will be one of his most humiliating  put-downs.
    Keep going!
  • Four_Seasons
    Four_Seasons Posts: 916 Forumite
    Fifth Anniversary 500 Posts
    Go girl!! you are doing brilliant. Have a lovely weekend x
  • I’m reading Emma, and I’m loving the positivity. And you’ve inspired me to get the treadmill out too!
    Debt Free 🍾 since 6.8.13 £31,997
    Saving for 🎄 🎁 2025 £416/£850 49%
    6 mth 🆘 fund £6k
    Mortgage offset fund £24.7k/£40.3k 61.3%
    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
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