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15months to debt free - I hope

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  • rachmac3
    rachmac3 Posts: 390 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Excellent news!! Congratulations 🎉 

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Huge congratulations!  Glad you enjoyed the show as well.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • daisy_1571
    daisy_1571 Posts: 2,129 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ladyholly said:
    Very pleased that it is sold and that show was enjoyable in spite of the traffic problems.  

    Dxxx

    (PS Hope you aren't handing over all the funds for another car to sit in the garage, you did all the work regarding the house, you did all the visiting over the last 5 years, he was your relative and you want to have plenty funds available for if you see a bungalow you want to buy so you get more house available for you to use 😃 )   
    Dont worry daisy the car he wants is not stupidly expensive and it will be cheaper than the restoration on the old one. The only reason that wasnt used was it needed a fortune spending on it just to get it running and we simply havent had the money to do it. I am pretty sure it will not just sit in the garage as he has always loved his sports cars but practicality took over when our dd was little and then having a large workhorse became more useful. 2 seaters are good for couples but useless for families. 

    Great stuff  <3:D:)

    Dxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,101 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Glad it’s all completed.
    Life is an adventure, never stop exploring.

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,407 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Really relieved for you. Champagne very much deserved 🥂
  • ladyholly
    ladyholly Posts: 3,949 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Evening All

    Many thanks for everyones kind ccomments. 

    It has been a spendy day. I have sent flowers to bils neighbour and they arrived today, also some to my buyer which will arrive on Monday. The final set of house keys sent special delevery which should also arrive Monday. Card to thank the estate agent who has been very helpful finding people to do stuff like tidy the garden, clean the house ready to sell etc. 

    Then went shopping and bought a couple of towels ( our existing bathrom ones are looking very sad), a saucepan to replace one that I use a lot but has the non stick coating damaged and a couple of cushions as the one I use are as flat as pancakes. I didnt even look at how much I was spending and am still not sure. Nothing to be proud of but I just needed to be slightly extravagant for once. That certainly will not continue. 

    Yesterday was a very strange day as we both felt really tense and unsettled even after we knew the completion was done. Mr LH didnt go to bed until 6am this morning and I had an awful night. I kept waking up and finally woke at 4 am and didnt go back to sleep. I dont know if was the heat, the champagne (I only had one glass, honest) or generally unable to settle. 

    Our friend who lost her dog recently called for coffee. She is feeling very lost and she knows we know how she feels.

    Mr LH is away to a festival this week so I have written a shopping list for his food which I would normally do on Monday except the cooked meat and milk but as we are car viewing I will have to do it either tomorrow or Tuesday depending how I feel.

    Kitchen cleaned and thats it for today.

    Have a good evening.


  • Sun_Addict
    Sun_Addict Posts: 24,099 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No shame in replacing things you need to. I think you deserve a little splurge. 

    Such good news the sale has finally completed 🥳
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • daisy_1571
    daisy_1571 Posts: 2,129 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lol I don't think anyone would say that was an undeserved splurge ladyholly, some towels that will no doubt be used almost every day replacing ones that are probably 20 years old if I know you, a pan to replace one thats probably been putting tiny amounts of non stick coating in your washing up water for a good while now and some cushions, again replacing some that have been used to destruction!   Very very much deserved! 

    I'm assuming you are going to be firmer with mr lh now that he's getting the car of his dreams: you deserve to be driven to the supermarket once a fortnight in the morning when it suits you rather than waiting on him on the occasional afternoon trip?   13 days out of 14 he can wake when he wants, one day out of 14 he can get up, not moan and take you to any shops.  After all, its food, drink and cigarettes for him you go out for as well as for yourself, its not much to ask a husband to do for his wife after you've been so lovely as to get money released early specially for him?  Get it in diary for evert second Tuesday or whatever suits  <3

    Dxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,407 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Normal to feel unsettled what with a very big thing happening even if it's a good thing, and it's still another stage in the grieving process isn't it, wrapping things up and starting to move on.
    Your splurge doesn't seem in the slightest bit extravagant, and I hope to hear while Mr LH is away that you've been carousing with undesirables til the early hours in all manner of unspeakable ways, or at least that you're eyeing up some nice curtains or somesuch 
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