Mints, Marzipan and Praline chocolate

IndiJonesi

Just made another PAD just now in an effort to reduce payment timescale.  I'll be going out to work shortly as I picked up an overtime shift today, thankfully.  Financials are as follows:

CC2
£6.68+£6.69+£6.68+£6.69+£6.68+£6.69+£6.68 / £187.12 (25%) - Day 7 of 28
£0 / £187.12
£0 / £187.12
£191.02 - paid in full

CC1
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23 - £4.57+£13.65+£7.35+£6.10 +£48.50+£1.94+£6.60+£4.50 / £402.43 - Days 7 and 8 out of 34 (23.16%)
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full
£538.78 TCC - 12/22 - paid in full

I have now managed to get my emergency savings up to an amount that rings a bit of a bell with me.  During the last few months of my mother's life, she made a concerted effort to leave as much as possible in order for my father.  She had all outstanding works done on their house and she had also calculated that he would have enough money from his pension and what he would inherit from hers to keep their house running.  She had also managed to save up a small lump sum of cash that she left for him too.  She had always taken care of the house and its running and also paid all the bills.  My father had not worked in years and the only contribution he made financially to the house was to pay for oil for the heating.  My daughter also lived with them and again, she did not work, nor contribute either.  My mother carried them all and she was concerned how they would cope financially when she would no longer be there.  She also said to me that she had wished that she had done better with her money and I presume that this was because she had wanted to leave more behind than what she was actually managing to do.  Anyway, I have always borne this in mind and I am happy to say, Mum, that I have managed to save up the equivalent lump sum that you left to my father after you died.  You have taught me well and I am grateful for those lessons.

WinterWarrior

It sounds like your poor mum carried a lot more of the financial load than she should have done. You’ve done great hitting that milestone. I wish I could tell my dad all the lessons I learnt from him too, it’s only when he was gone that I realised 😞

IndiJonesi

CC2
£6.68+£6.69+£6.68+£6.69+£6.68+£6.69+£6.68+£6.69 / £187.12 (28.58%) - Day 8 of 28
£0 / £187.12
£0 / £187.12
£191.02 - paid in full

CC1
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23 - £4.57+£13.65+£7.35+£6.10 +£48.50+£1.94+£6.60+£4.50+£13.00+£1.00+£6.80+£6.80 / £402.43 - Days 12 out of 34 (30.02%)
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full
£538.78 TCC - 12/22 - paid in full

IndiJonesi

Finally, a breakthrough today.  Assets are going to be sold and if we can make enough, and actually get them sold, we can pay off the mortgage.  I can't carry us any longer, and stated that, so the agreement has been made.  Thank goodness.

IndiJonesi

CC2
£6.68+£6.69+£6.68+£6.69+£6.68+£6.69+£6.68+£6.69 / £187.12 (28.58%) - Day 8 of 28
£0 / £187.12
£0 / £187.12
£191.02 - paid in full

CC1
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23 - £4.57+£13.65+£7.35+£6.10 +£48.50+£1.94+£6.60+£4.50+£13.00+£1.00+£6.80+£6.80+£24.09+£45.46+£1.25+£12.66 / £402.43 - Day 16 out of 34 (50.76%)
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full
£538.78 TCC - 12/22 - paid in full