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Divorce debt be gone!
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Hang it there, you are so close to getting the debt monster below £10k.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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@biggerpickle remind me, are you in a self-managed DMP? Lots of people start off doing it via an organisation and then move to self-administered as it gives more control. Sorry if I have this wrong or if you're just paying down non-defaulted amounts. People with more expertise than me will be along shortly. Love Humdinger xx1
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I guess a self managed dmp - paying down debt and I can't have defaults due to my job.Humdinger1 said:@biggerpickle remind me, are you in a self-managed DMP? Lots of people start off doing it via an organisation and then move to self-administered as it gives more control. Sorry if I have this wrong or if you're just paying down non-defaulted amounts. People with more expertise than me will be along shortly. Love Humdinger xx
I currently have 7 debts so it's just the juggle. One of those drops off 1 Aug, there are 2 others not long after so it'll be less spinning of plates come October!July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2761 -
It will definitely be there later this month (July payday is under 3 weeks away) - I will have a mini MSE celebration then!in_need_of_direction said:Hang it there, you are so close to getting the debt monster below £10k.July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2763 -
I'm still cheering you on!!LBM Oct 24
Start Nov/Dec 24 £39 564
July 25 £34 531
Aug 25 £33 866.83
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
The odd £6 on the Natwest balance was bugging me so I've paid it off (the minimum payment this month was slightly more than the fixed amount DD I'd set up) and I've decided that Very is going in 2 installments and not 3, I know its interest free BNPL but with that and HMRC going in August that's 2 debt items off the list by the end of the summer holidays which I feel will make the juggle easier.
The Klarnadebt is a relatively small amount monthly (£56) IFC for the next 12 months and the school sports trip is fixed installments and Halifax is a overseas spend fee free card and I'll be using that in August & Sept visiting overseas family & friends so I don't mind sucking up the interest charges if I can't clear the holiday money in the same month. I feel like I have a more solid interim plan instead of the nebulous "pay it all off at some point" plan. Baby steps and all that!July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2761 -
My car is in the garage again with similar issues as the £1,164 in April. I am living in dread of the phone today with the potential cost.
July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2760 -
Just what you don't need.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.1 -
Am now crying at the quote for repair, half the last one but still.July 2024 £12,150 Aug 2025 B/Card £6,300, N/West £1,770, Halifax £1,182, Klarna £568, Sports Trip £335, Very £122 & HMRC GONE!!!! Total £10,2760
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Not so good.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.0
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