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2020 - 'Nothing in your life will change until you make the decision to change'
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Congratulations Jwil πππ. That's great news π. It just proves that it's always worth making them a cheeky offer π.jwil said:OMG!Β 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.Β They've written to me again today.Β It's only my smallest debt, but they will accept Β£200 - what a result! ππππFinally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = Β£58,766 π± DEBT FREE 31 OCTOBER 2017 :T π
EMERGENCY FUND 1 = Β£50/Β£5,000. EMERGENCY FUND 2 = Β£10/Β£5,000.
CHRISTMAS SAVINGS = Β£0/Β£500. SEF = Β£1,400/Β£12,000 PREMIUM BONDS ME = Β£350. PREMIUM BONDS DH = Β£300.
HOLIDAY MONEY = Β£0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
Thank you, yes, I didn't think in a million years they'd accept!HairyHandofDartmoor said:
Congratulations Jwil πππ. That's great news π. It just proves that it's always worth making them a cheeky offer π.jwil said:OMG!Β 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.Β They've written to me again today.Β It's only my smallest debt, but they will accept Β£200 - what a result! ππππ"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 McGee3 -
Hope everyone is well.
DH has been out in the garage today supposedly making space to move stuff from the house, so fingers crossed!Β He's planning on doing more as the kids go back to school.
Little miss is so excited to go back, she keeps asking how many days.Β My heart broke a little bit when she asked her teacher on her live lesson 'how will we remember everyone?'Β It's been so hard for them all.Β Little jwil is nervous about going back, but he'll be fine once he's back.Β He was the same in September.Β At least it won't be so new this time, as they are used to all the covid procedures.
I've had a letter back from my biggest debt, asking for a new SOA.Β I think I will send it to both that have asked.Β I don't think they'll accept, but I've been surprised once so far.Β It would be amazing to clear the biggest one, that is the one I really want to get shot of.
We've got a load of items selling tonight which is a nice surprise.Β More stuff gone!"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 McGee3 -
Well done on the settled debt. What a decent reduction.Β Hope the birthday went well and the school run on monday goes okay !Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only Β£5170. DH can't keep track...4 -
Thank youNeverendingDMP said:Well done on the settled debt. What a decent reduction.Β Hope the birthday went well and the school run on monday goes okay !
Β He had a good birthday. "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 McGee3 -
Worse that happens is they say no but hopefully they will be willing to do something for you.Β*Dad loan - Β£5300 - Β£7200
*Virgin Credit Card - Β£3552.50 - Β£0
*Natwest - Β£1828.35 -Β£0.00
Barclaycard - Β£2315.25 - Β£0.00
Creation Finance - Β£960.32 Β£840
*Total debt - Β£8040/Β£11641.17*
Savings
*Savings Buffer - Β£100/Β£1500
*Emergency Fund - Β£1500/Β£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4 -
Yes, fingers crossed!Sarahwithlove said:Worse that happens is they say no but hopefully they will be willing to do something for you.Β"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 McGee4 -
I've woken up with some energy and enthusiasm today which makes a nice change!Β I'm taking advantage.Β I've stripped all the beds and getting them washed and dried.Β Finished scanning in the remainder of the school work and sent a thank you message to the teachers.Β I'm packing ebay parcels.Β 10 items sold yesterday and another few going out later.
I need to get little jwil to do his thank you cards, and sort out everything ready for tomorrow.
It's lovely and sunny today if not a bit chilly.Β Always good for the soul.
I got on the scales this morning, and seem to be down almost 2lb.Β I haven't been trying, so that's a bonus.Β I need to try and build on that!Β I'm hoping that we can start getting back into a routine again which will make things easier!"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 McGee4 -
Good news on getting your offer accepted.Β Onwards and upwards from here.Β Well done on the weight loss and hopefully you can build on that.Β I've rejoined that well known slimming club starting with W.Β I did lose she'd loads of weight when I was ill but was told to eat high calorie foods, pastry, full fat milk and yoghurts.Β Trouble is the weight went back on plus extra.Β So easy to put on so hard to take off.Β Enjoy your Sunday x5
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Thank you retiredretiredandskint said:Good news on getting your offer accepted.Β Onwards and upwards from here.Β Well done on the weight loss and hopefully you can build on that.Β I've rejoined that well known slimming club starting with W.Β I did lose she'd loads of weight when I was ill but was told to eat high calorie foods, pastry, full fat milk and yoghurts.Β Trouble is the weight went back on plus extra.Β So easy to put on so hard to take off.Β Enjoy your Sunday xΒ Good luck with WW, as you say, it's easy to put on but harder to take off.Β I'm back on baby steps for a minute.Β Have a lovely weekend "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 McGee4
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