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Crunchy pays off the loan early, and other stories
Comments
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crunchy_time said:Evening all!
Currently having a break from my assignment. Finding this own hard. I still have 1000 words to write and it’s due on Tuesday. I shall go for a run tomorrow and then focus hard on it all morning. And I want to do a masters!!!! I blow my own mind sometimes!
The kettle blew up today so that is something I must start to shop around for. It lasted 6 years so its had some good innings. I shall try and keep husband in check for a reasonable priced one.
I really should start my Christmas shopping but I seem to have lost all enthusiasm! Maybe that can be my treat after I have finished this assignment!
Right, better get back to it, it’s not going to write itself!
Crunchy xx*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Evening all
Struggling with my mental health at the moment. So up and down and think it’s because of lockdown covid worry as I am in a good place at the moment. I don’t normally get this anxious.There is lots of pressure at work and I am a people pleaser so I am taking in more trying to help out. A lot of the students I deal with are anxious too so I am a bit of an emotional punching bag. It takes its toll.My deadline for my assignment is today and I haven’t finished it and I don’t even care. Husband says that it’s because nothing is resting on it like future employment. I do want to complete it but I need to focus on my mental health and stop being a people pleaser. This is the ideal opportunity to learn how not to do that. I can’t be everything to everyone.Sigh! I need to grow a pair!!
Crunchy xxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far2 -
Can you ask for an extension? Most HE places are being flexible at the mo.
Congrats on debt reduction, £5K is great in 9 monthsDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved0 -
Sorry to hear you are struggling Crunchy. ⚘ You aren't alone.
1 -
It’s a tough time and just know you’re not on your own.April 2020 - £102,222 Loans/CC’s.
Jan 2022 - £0
Cleared - £102,222
Jan 2022 - Now time to build suitable investments and a business!1 -
Sorry to hear you're having a tough time, crunchy. It's a funny old world at the moment, I love being home so it's weird to think it's even acceptable to find aspects of it difficult but I absolutely do...same storm, different boat...
Hope you've sought an extension, look after yourselfDebt Free I FFEF I Building Savings I 2025 Plan:- Regular Savings £8,200/£10,000
- Slush Fund £3,800/£10,000
Save £12k in 2025 - #50 - £12,000/£20,000 (60%)1 -
Morning all
Thanks for your well wishes! I think Tuesday was the day it all got to me. I feel better now. I asked for an extension.
Pay day today and a bumper one too! £600 paid off the course fees on husbands loan. Total consumer debt dipped into the £7xxx!!
Happy Days!! Workout tonight and then finish my assignment. I have about 150 words to go and the checking then I can send it off!
Crunchy xxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far5 -
Well done on the debt 😃 l am hoping to be in ther 8s by the end of the year.
Also great news you're feeling better 🙂1 -
Just got to wait until 1st December then another £600 can come off. Should be in £6xxx by the start of 2021!!
Weve had two positive cases at school now. Tricky times.Crunchy xDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far4 -
Great that you will soon be in the £6k numbers. Sorry about your anxiety. These are difficult times especially if you work in schools. Good you are feeling a bit better now though and you got an extension for your assignment. In the grand scheme of things a late submission is not the end of the world.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.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80005
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