Steph does debt

HampshireH

Wow you are doing amazing!

I love pay day and moving stuff around. We have paid off our kitchen this month (after 4 years) amazing feeling as that monthly payment now goes towards gas/elec ready for the quarterly bill meaning we don't (ATM) have to increase what we put monthly into our bills account.

rdchick

HampshireH said:

Wow you are doing amazing!

I love pay day and moving stuff around. We have paid off our kitchen this month (after 4 years) amazing feeling as that monthly payment now goes towards gas/elec ready for the quarterly bill meaning we don't (ATM) have to increase what we put monthly into our bills account.

Ahh thank you!

I bet that feels fantastic! It's mad how much those payments lay heavy on your payslips isn't it?! I bet you can't wait for next month to not have that hanging over you! Well done!

rdchick

HampshireH said:

Wow you are doing amazing!

I love pay day and moving stuff around. We have paid off our kitchen this month (after 4 years) amazing feeling as that monthly payment now goes towards gas/elec ready for the quarterly bill meaning we don't (ATM) have to increase what we put monthly into our bills account.

Ps Also live in Hampshire too!

rdchick

So Nationwide have booked us in for a valuation.. trying not to read anything into it as it's all so cloak and dagger isn't it?! But yay another thing ticked off the list 

savingholmes

Great you are having a physical valuation. Mine last year was by computer which didn't help and meant improvements I made didn't count.

Tiredbutdetermined

That sounds like a bit of positive cloak and daggeryness. 

rdchick

savingholmes said:

Great you are having a physical valuation. Mine last year was by computer which didn't help and meant improvements I made didn't count.

I think it's a physical one as they said we don't have to be present for it unless told otherwise... But as we're the buyers not the sellers I guess it's a bit weird for us to be there 😅

rdchick

Tiredbutdetermined said:

That sounds like a bit of positive cloak and daggeryness. 

I hope so but also scared to get my hopes up!

rdchick

Tomorrow the CCJ ends. 6 years! It's mad, I remember thinking when I finally opened that letter that I've wrecked my life. That 6 years was so long and because of the CCJ I wouldn't be able to do anything that I wanted to do. 

In reality it made not a huge amount of difference, just made me not be able to get into any major debt. Other than my car finance I've not had a balance on any credit account more than £2000 (£2k overdraft which is now reduced) 

There was a time I couldn't even get a new phone contract in my own name.

Now we're on our way to buying a house. 

Nationwide have their valuation tomorrow for the house, I've paid £600 to solicitors for instruction and searches (daylight robbery isn't it?!) 
We have had hard searches on our files for the mortgage too and they haven't said no yet 😅

It's sad that I haven't been able to pay much off of debt this month but I guess it's for a greater good! 

How's everyone else doing?!

savingholmes

Hope it goes well for you.