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Ding! Ding! All change, please... (now replaced with new diary on MFW)

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  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Sorry to hear about the house. 

    I'm sure something else will come up for you.
  • That's good news about the £100 just a shame it took threatening them with ombudsman to get a response. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • lucielle
    lucielle Posts: 11,508 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the house but you never know what’s round the corner. L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    lucielle said:
    Sorry about the house but you never know what’s round the corner. L
    Just this.
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • badmemory
    badmemory Posts: 9,611 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    If you go to a supermarket I hope you manage to get out quicker than I did earlier today.  Shopping was easy enough even going through the checkout was only delayed a few minutes, but the car park!!!!  It took an hour, so about twice the time it took to actually shop.  And how do people stop & start like that for a whole hour & whenever they are stationary keep their foot on the brake. 
  • Completely agree on preferring more lower value prizes Sarah

    BM I was FAR more fortunate than that I’m delighted to say. Left work shortly after 3.30pm as pretty much as soon as we got back in from lunch Mr Boss told me to go - he’s a good egg! Got to T’s just before 4.30 and straight into a parking space at the far side of the car park, whizzed round the store and was through the checkout and back home before 6pm - I’ll take that! 

    Flat job last night was more caulking on the joins of the thermal paper - it’s getting there but it’s a slow task! 

    Got up this morning to torrential rain so decided that our usual walk didn’t appeal - a brainwave struck though so we checked collection time for the turkey and sure enough they were open from 8am so we hopped in the car and went to get that sorted before MrEH was due to start work - that’s a real win as it was going to take a chunk out of my day otherwise. Looks like a lovely bird too - plus they gave us extra giblets as other people had been refusing them (Mr EH “What?! How do they make their gravy?!” Then, after a pause, a sniffy “ohhh - Bisto I suppose!” 😂 ) so we have a pack of those at Mums for gravy and the other is in the fridge here ready for making stock with the carcass. 

    I’ve also given the front room a thorough tidy, got some washing put away, made the bread sauce - the infused milk smelled amazing! Rung the council to chase the bin collection (today, apparently, but not yet, so personally I’ll be surprised!), taken all the rubbish out to add to the pile around the bin sheds in case they DO collect today, taken the recycling out, done a load of washing up and I’m about to make the pastry for mince pies so that can chill in the fridge ready for use later on. Poo - realised my tin is in the garage though so I’ll have to go and find that later. 

    We still didn’t get a post delivery yesterday and so far as I know neither did Mum - I’m furious with Royal Mail over this nonsense - Mum’s first Christmas on her own and she has basically no Christmas cards other than the hand delivered ones from neighbours. Never mind all the people round the town who’ve been waiting for presents, hospital appointment letters, bank cards etc to turn up. Last time we saw post was the 7th. 🙄 It’s just not a service any more  - at least not here - and personally I’ll do everything I possibly can to avoid using RM at all in the future. 

    Right then - pastry time - then after lunch I’ll make the Pigs in Blankets I think. 

    I probably need a list of all the things that need doing during the rest of today and tomorrow… 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I think the younger generation have no idea how to make real gravy
    Agree about RM, they are on strike again today and apparently there will be a parcel delivery only, no letters.  I use couriers now for sending parcels. 
    I'm going to make cakes and shortbread later with any luck. Hope your pastry goes well. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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