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It's time to begin.....

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  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Last week of term this week- I'm off out ice skating with my form this afternoon. They're all very excited. (As am I) 

    My younger cat has given up trying to climb the christmas tree- she's a bit sulky about this as she managed it multiple times last year when she was a kitten but as she is now cat sized she's too heavy for the artificial branches! Older cat has observed all this tree climbing with a look of derision and scorn at the playfulness but I found her carrying a bauble to the kitchen in her mouth yesterday so she could knock it around the floor! 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • SandyShores
    SandyShores Posts: 1,991 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy New Year Kakiste.  Have been following along and I'm glad things were better than last year.  Well done to you for staying so strong!  You are doing so well, good luck with your budget and everything for 2022.
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    happy new year Kakiste. This year will be your year I’m sure 🌟
    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

  • bellevie
    bellevie Posts: 899 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Happy new year, fingers crossed the ombudsman decision is in your favour x
    MFW
    Starting debt :£287,410 -11/2020

    2022 Closing balance £271,402.45 

    2023 closing balance £263140


    Original end 11/2045 
    New end date :....... 

    Overpayments to date £609.40 (8/25)



  • Happy New Year Kakiste! Hope HSBC/ the Ombudsman come back with a really positive outcome for you very soon. 

    Although it’s not good to hear about the arguments being started at you, it’s very good that you can recognise who is being unreasonable. Hoping things get to a more even keel when normal life resumes, I think the holidays can have so many triggers for this kind of thing. 
  • SandyShores
    SandyShores Posts: 1,991 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sorry to hear that Kakiste.  Hope you are okay, there's nothing worse than an adult sized baby ranting through the house.
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    edited 2 January 2022 at 10:51PM
    Anyhow- as I have the time I'll waffle about Christmas. 

    Went to candlelit carol service christmas eve with my daughter which was lovely as always and then came home and watched the muppets christmas carol (a tradition from when I was a kid)

    Christmas meal was a winner; managed to get all meat and veg from waste food group in the 3 weeks running up to christmas so only had to buy crackers and goosefat! (£8 in total)

    Managed to get my daughter a reborn doll (top of her list) for £40! (Second hand market around here is £150 starting price) but I found a seller who wasn't someone who collects them but had one randomly so that was a bargain. Also managed to get her a new switch game she's been coveting; also covered stocking presents. Husband actually paid for the rest of her presents (some lego sets, a baby yoda and lots of crafty bits) which actually equalled out to what I spent. 

    I managed to get my family and close friends presents that were thoughtful and they liked but without breaking the bank (£150 all in for everyone's presents) 

    I was bought a new coat! (Only owned one and it was really quite old- I think I've had it for 6 years) and this one is lovely, red wool with brass buttons- fitted really nicely but in a military style which is my favourite type of coat

    Also been given a pair of Swarovski stud earrings, a bottle of fireball whisky, lush snow fairy stuff and a historical fiction book on WW1. 

    Also been given 3 vouchers (Wilkinson, M&S and Waterstones) spent the latter two in town today after church; managed to get myself 2 pairs of M&S PJs and a notebook from Waterstones and a wall calendar (the calendar is for my daughter) 

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

    Current focus; saving Emergency fund
  • SandyShores
    SandyShores Posts: 1,991 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sounds lovely, you've organised so much and been given a lot too.  I love the sound of the red coat.  
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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