2020 - 'Nothing in your life will change until you make the decision to change'

jwil

Kitten868 said:

I clearly have not been paying attention. Your mortgage has seriously shrunk! Wow! I'm jealous. 
I'm a pain for taking on the jobs that seem to take forever without much benefit but do need going through properly. Like filling away all the paperwork and getting rid of some of it. Or going through magazines. I used to rip out the pages I hadn't read yet and put the rest in recycling. Drove hubby nuts. 
Your debts seem tiny now too! You're amazing. I really hope someone consider your offer. Be lovely to be down to 2 or 3. You have so turned this around. Xxxx

Thank you   Yes, we're lucky with interest rates being so low, that a decent proportion of the payment goes to the balance now.  My little pads are adding up too

I've spent the last 10 years moaning at DH for hoarding so many magazines, now I moan at him for decluttering them   I used to be the same, but stopped a long time ago when I was really skint.

Yes, the debts are creeping down.  It would be nice to clear one, but I'm not too hopeful.  Maybe next year I'll be able to make a more realistic offer if things continue to go well

savingholmes said:

You have made huge progress. Hope you enjoyed some time out in the sun this weekend.

Thank you   I did, there's nothing like sitting in the sun to cheer me up!

jwil

OMG!  One of my offers has been accepted! It's actually the one I was moaning about the other day that had just sent a letter with my balance on it.  They've written to me again today.  It's only my smallest debt, but they will accept £200 - what a result! 😁😁👏🎉

ladyholly

Excellent news. Thats one will soon be gone.

remote_control

WOW!!!!!!!

Robin09

Great news on the offer 

Kitten868

I had a funny feeling about that one when I saw it on your new list. What fantastic news! 3 debts. Did you ever think you would get to this point? Nearing sub 100k on the mortgage, 3 debts and savings in the bank!! Xxx

Sarahwithlove

That's great news. 

doingitanyway

So glad your offer was accepted

Parkyp

Well done, you’ll be glad you asked now. 

jwil

ladyholly said:

Excellent news. Thats one will soon be gone.

remote_control said:

WOW!!!!!!!

Robin09 said:

Great news on the offer 

Sarahwithlove said:

That's great news. 

doingitanyway said:

So glad your offer was accepted

Parkyp said:

Well done, you’ll be glad you asked now. 

Thank you everyone, I'm so pleased

Kitten868 said:

I had a funny feeling about that one when I saw it on your new list. What fantastic news! 3 debts. Did you ever think you would get to this point? Nearing sub 100k on the mortgage, 3 debts and savings in the bank!! Xxx

Thank you   I didn't expect they would accept as it's still with the original creditor, it hasn't been sold on.  I bet they're glad to get rid of me now I didn't think I'd ever get to this stage - over halfway now.  This is a whole different world for me, and I've never had savings or seen the debts and mortgage reduce substantially before.  Fingers crossed it continues heading in the right direction.