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Hope you're OK Kakiste0
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Hope everything is well with you @Kakiste - send all best wishes0
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Hi I hope you don’t mind me reading your diary. Congratulations on becoming debt free 🎉🎉
hope everything is going ok
I recently became mortgage free and can’t tell anyone in real life. My FIL paid the remainder of this week sort of for my hubby’s 40th birthday. Back in September my MIL died after a horrible 6 month cancer battle which we supported them through and continue to support FIL best we can. Due to this I’m feeling quite awkward about it rather than happy if that makes sense
excess money has been allocated to pay off loan by Christmas….typical that we had to replace a car tyre and a toaster today 😂😂2 -
Sorry for the silence. Been a horrible month; daughter had a horrendous bike accident on way home from school on the 23rd March and we then spent 12 days in hospital, initially our local one but then transferred to the one in the next county which specialises in plastic surgery; she's ended up having 3 operations and a skin graft on her ankle which initially didnt take very well so have been going back to hospital every other day for viability checks but then had a week at home where she had to have her leg totally immobile and I basically waited on her hand and foot (not going to lie, she loved that bit!)
However! 3.5 weeks after the initial accident she's had another review back at hospital yesterday and it's finally healing! (Shockingly well given what it looked like 7 days ago) and she's been signed off on being allowed to walk on it again which means she can go back to school next Tuesday.
Also- just to add to my stress; I was rearended by a van whilst stopped at a zebra crossing last Thursday (on the way back from hospital!) which basically staved in the back of my car (bumper destroyed, boot caved in and the rear part of the structural chassis dented) However they've admitted full liability and I've been given a hire car to drive whilst they repair my poor car..
So I've been AWOL in everything except looking after my daughter. Work have been brilliant though.
My EF has taken a battering (petrol costs from driving back and forth to the hospital countless times and having to buy canteen food every day for 12 days) but that's not important in the grand scheme of things.
I'm so happy she's on the mend!Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund4 -
Oh my goodness what a dreadful time for you. Glad your daughter has now started to heal. Hope your ok and don’t have whiplash. How frightening. Take care xx2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️1 -
What a difficult month!! Glad your daughter has recovered well, hope your car is sorted soon too.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 £574.4 (1/26)1 -
What an awful time for you and your daughter. So glad she is finally on the mend so you can both start to get back to some sort of normality. Hopefully your car will be sorted out soon and then you can start to rebuild your EF. The most important thing is that your daughter is ok xxslowly working towards being MF one small over payment at a time :T2
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What a shock on both counts. Hope your DD continues to heal.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 171 -
I’m glad to hear your daughter is healing and that your work have been good. What an awful time you’ve had! I hope you can still enjoy Easter together - never too old for a chocolate bunny
x
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Sorry to hear about the car accident and your daughters bike accident. Hope normal life resumes again soon.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
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