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15months to debt free - I hope

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Comments

  • Sun_Addict
    Sun_Addict Posts: 25,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    it’s good to hear from you again. I’d assumed you were busy with kitchen etc renovations but seems not 😐 Sounds like Mr LH is busy with the caravan.

    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    I'd say get on with the kitchen, do the patio in better weather - kitchens don't come immediately, they need planned then ordered then they arrive and for a few days the kitchen stuff can be squashed into the conservatory too. Book a few nights into a local hotel and enjoy the peace in the evenings, oversee the kitchen installation in daytime then you can enjoy placing your treasured stuff, your useful stuff, your new stuff into a beautiful new kitchen. 😀

    Dxx

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'
  • Blackcats
    Blackcats Posts: 4,471 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    nice to see you Lady Holly

  • beanielou
    beanielou Posts: 99,591 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    You are a saint.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • ladyholly
    ladyholly Posts: 4,108 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Thanks daisy. I intended to do the kitchen first but as I cant guaruntee how long it will take Mr LH to clear the conservatory it will have to wait. If we stuff everything from the kitchen in the conservatory we wont get the new units etc through to the kitchen which would be inconvenient to say the least. It could come through the front door but due to where we live this would involve taking everything up a narrow pathe to our front door and the chances of parking at the end of the pathe is remote. I know that sounds weird but we have no road at the front of the house only a footpath.

    So as to be able to get on with something I think at least getting started on the patio would be best if the workman thinks its viable.

  • Rhyddid2026
    Rhyddid2026 Posts: 1,264 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    That is quite the jump in premium!

    Debts                04/01/25       04/05/26  
    Natwest2           £6,509.97      £3,775
    NatWest CC      £7,612.74       £6,125
    Lloyds CC          £6,112.60      £3,897.12
    1st Direct CC     £176.03         £35.71
    CC total             £20,411.34    £13,832.83
    OD                     £1100            £0
    Car loan             £4,000          £3,400
    1st Direct Loan  £10,684.44    £6,745
    Total                  £36,195.78    £23,977.83
    EF £1,800
    HF £272.11
  • beanielou
    beanielou Posts: 99,591 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    That’s a huge difference in premiums.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • make sure you get the pull out shelves in your new kitchen

    They are a complete life changer for me as I no longer have to kneel on the floor to see what is at the back of each shelf.

  • badmemory
    badmemory Posts: 10,608 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper

    I agree with Debs on pull out shelves/drawers. Even ones deep enough to store large pans. Over half my bottom cupboards are unusable with any ease. When I get my new kitchen (which I keep putting off) they will be more usable. I still will struggle with the top of the top cupboards but you can't have everything.

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