Mission: freedom!

in Debt Free Diaries
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  • Oh no ponylover - hope your boy recovers quickly. Completely relate to the vet bills - they’re responsible for a large chunk of my debt. In both cases the neds were insured but insurance didn’t pay out 😡. I managed to acquire £2k plus over the course of a month thanks to laminitis - it really was last chance saloon for the pony so threw everything at him and fortunately he’s still with me now several years later, but I’m still battling to break the debt cycle it contributed to! 
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Thanks all.
    Balance- hope your pony is doing well now.
    I have thought since about insuring them again  but I'm worried that if I did that the insurance company would find a way of wiggling out of payment anyway!

    I've picked up an overtime shift for sunday - at least that will be a contribution towards the bill!
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    6 monthly round of of balances done. I've taken 1k off already for the vets bill. I'm always abit disappointed with how slowly the mortgage goes down. But it is going in the right direction I guess.

    Overtime shift done..... turned out to be a long stressful shift. Feeling sleepy today and struggling with the kids home learning :-(
    Roll on the kids going back to school 😀 (or at least bedtime for a glass of something!)
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • luciellelucielle Forumite
    9.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Hope you've got something nice to enjoy when they're in bed!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    I've been a little bit absent from here recently! 
    Bad few months money-wise...a spate of things going wrong.... cars failed mot, tooth needing a crown/root canal (ouch!), washing machine broke and needed replacing (it did 5 years of hard labour....can't complain too much!) And our sofa, which we had hoped to get another year out of has now started unstitching itself. So when furniture shops reopen that will be replaced. It has done 10 years I guess so it did OK. 

    Luckily due to having savings I havnt had to take out any credit for our run of bad luck, but its meant that the savings have stagnated slightly.

    Managed to pick up a few overtime shifts so that has helped offset the spending a bit!

    I've found out my dad is very poorly so I can't wait to go visit him once lock down eases. Roll on April 🤞🤞🤞 
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




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