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An in-between phase

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Comments

  • beanielou
    beanielou Posts: 100,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Happy Sunday 🍻

    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. 13 months left.
  • EssexHebridean
    EssexHebridean Posts: 26,373 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Well done you! Even for those of us without your challenges stepping up to do the things that have to be done can sometimes feel like a challenge if we're a bit below par, so I'm in awe of how you manage!

    🎉 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
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Blackcats
    Blackcats Posts: 4,711 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    maybe the eating of crunchie bits and the dream are your version of the film Inception - a dream within a dream within a dream? I didn't really understand the film so apologies if that is not a good interpretation of a cinema classic.

  • Sun_Addict
    Sun_Addict Posts: 26,060 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Well done on the doing despite challenges. I hope tomorrow is a better day for you.

    At least you made your dream come true 🤣

    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,196 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Haven't seen it @Blackcats but I expect your description is spot on, as long as its a fillum about dreaming about stuffing your face with chocolate 👍

    Thanks @Sun_Addict and absolutely this is a reminder to us all that we fully can achieve our dreams 😂

  • beanielou
    beanielou Posts: 100,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    I LOVE crunchie rocks.

    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. 13 months left.
  • Rhyddid2026
    Rhyddid2026 Posts: 1,469 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    I'm gonna go get some honeycomb ice cream and crush a crunchie over the top.

    Debts                04/01/25       03/08/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,078
    Lloyds CC          £6,112.60      £3,595
    1st Direct CC     £176.03         £33.93
    CC total             £20,411.34    £13,706.93
    OD                     £1100            £0
    Car loan             £4,000          £2,800
    1st Direct Loan  £10,684.44    £4,875
    Total                  £36,195.78    £21,381.93
    EF £2,550
    HF £100
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