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  • CRANKY40
    CRANKY40 Posts: 5,905 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    I never used to answer the phone to my dad after 4pm. It's a good tactic....
  • Sarahwithlove
    Sarahwithlove Posts: 3,316 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I think you are 100% correct to keep your child away from that. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0

    Barclaycard - £2315.25 - £0.00

    *Total debt - £7300/£10680.85*


    Savings
    *Savings Buffer - £1100/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Good and bad news; 

    Firstly the unstamped letters did indeed get through! (all of them!) 
    Secondly- My daughter's bubble has popped at school and she's now at home until next Friday! My husband has actually stayed off with her today (bit of a shocker actually) and I'm going to call my dad when I get home to see if he can look after her for a couple of days this week and next. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • WinterWarrior
    WinterWarrior Posts: 6,086 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Fabulous news on the letters!
    The bubbles just aren’t really working are they? So many are getting sent home. It would be easier to have an all or nothing approach, either send them regardless or don’t send them at all ☹️ At least you can plan properly then.
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    So my dad has been repaid. Total updated to reflect that. 

    Feeling very flat today, husband has been just horrible for the past two days. Again it's clearly fallout once again from paying out money, but the stuff he was saying yesterday really got to me. Cried myself to sleep last night and now have a raging headache.

    I idly wondered this morning whether husband has also clocked that it's the last personal debt I have and is being awful as a weird test to see if I suddenly up and leave. 

    *Hand waving*

    However, on the plus side; My daughter has been at my dad's since yesterday morning and she's having a lovely time. 

    And whilst I feel rubbish today, I feel much stronger for now only being in debt to companies- I feel a lot less guilt about that. 

    Also I've got all the information in with the financial ombudsman and maybe if any of the complaints are upheld it might give me a bit more money to chuck towards the debt. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • WinterWarrior
    WinterWarrior Posts: 6,086 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Great news, I’m so glad your dad is paid. You have a bit more freedom now, if it gets too much and you want to jump ship you will find a way. You need to get to that grey rock stage…I had many years of being damaged and crying with my ex, but finally turned a corner to where everything just washed over me. You’ll get to a point where everything he is throwing at you won’t stick, you won’t feel it means anything or has anything to do with you. 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Congratulations on getting that debt repaid - one step closer to freedom, and having that last big “emotional” one (if I’m using the right word?) off your plate must feel like a huge relief. 

    The Financial Ombudsman are REALLY slow at the moment but they do get there, so don’t feel too disheartened if you don’t hear anything beyond an acknowledgement for a few months. 

    I’m sorry your husband is being so vile, it definitely sounds like it’s connected to the repayment and the idea of a “test” sounds familiar. Hoping that the worst is over and you can enjoy the feeling of success very soon. 
  • Aspiration
    Aspiration Posts: 532 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
     Great news about paying your Dad and huge progress from your starting point!!

    Hopefully you can move on soon as it feels like you’re in a really challenging environment at the moment.
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
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