We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

It's time to begin.....

Options
14445474950155

Comments

  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Manic week- quite a few staff off so lost most of my PPA but decided to take all my year 11 folders home to get all the cross referencing on their assessed units done before they are invigilated next week. 

    Spent £16 of my personal £25 'pocket money' allowance on a new hand blender- my other one has been slowly breaking for the past 6 months and I found one in home bargains that also comes with a whisk attachment which will be useful for a bunch of baking stuff. 

    Bought the kid a new 6-7 years coat on ebay for £8 but since then have listed her two 4-5 years and 5-6 years coats on Ebay so am hoping that should even out if not make a very small profit. So all her clothes/coats/shoes currently fit her. (Watch her now have a massive growth spurt!) 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,052 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Your colleague sounds annoying but well done on calling him out on it.  Well done on the good feedback.  I think you teachers deserve a medal for coping throughout this pandemic.  Tough job. 
    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/£162.90
    Save £12k in 2025 #1 £12000/£7000
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Got a present today. We've just finished the 1923 German hyperinflation crisis and I mentioned that you can buy 100 million mark banknotes on Ebay for a few quid. One of my year 11s has bought one and brought it in. Came over to my room at break and told me "Don't even know why I've got this. Keep it if you like" and threw it on the desk. :smile: He's socially inept but that's very sweet for him and it's a lovely thought. 

    Speaking of ebay i'm swinging past the post office on my way home- sold 4 things at the weekend. Made about £6.50 which will probably be £5 once fees are taken but it's for old clothes of mine and the second one of my daughter's old coats. 

    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Finally on Easter holiday! Spent Friday/Sat/Sun and today helping bubble friend move house. I did 23,000 steps last Friday and hauled wardrobes, beds and sofas all day! :sweat: 

    We're on the last day of helping with the old flat today. Just done a tip run and I'm sat in the car waiting for friend and my husband to come back from picking up paint sample pots and filler. 

    Had a day off moving yesterday and my mum came up. She offered to pay for my timer belt replacement which will be lovely if that actually happens. (She has form for making incredible offers but then either 'forgetting' or retracting them when it comes time for it to happen. I'm going to get a quote from the garage today and forward it to her and see what happens. 

    Broke through the next thousand barrier in both directions on the 1st so feeling happy with that. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    edited 12 September 2021 at 8:58AM
    Phonecall from financial ombudsmen employee today. I spent a couple of hours last autumn escalating complaints to them on the basis that the worst case scenario is that nothing changes but in the best case scenario any payments or interest refunds could speed up my DFD. (When one credit card company upheld my complaint last spring they wiped out the remaining £1,300 debt on my account and gave me a refund of all interest I paid which I used to repay my uncle. 

    The bloke yesterday is investigating my complaint against my former bank (Out of the £16,917 I still owe I owe them specifically £10k+) and said he'll get back to me in the next week or two and let me know the decision. I'm still trying to assume that i'm getting nothing back so that any other decision will be a positive change rather than a disappointment. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • Thats super sweet of your student! Hope you're managing a bit of rest over Easter!

    Good luck with Ombudsman, I've used them twice before and found them to be very helpful. Once was in my favour and other was not, but both times they explained their decision and hw it was reached which at least made me feel better!
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.5K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.