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Divorce debt be gone!
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Great work on the mortgage and the so close to smashing the 10k is amazing! Well done on saving for the fees, that must feel good!1
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Yay, today's post brings the insurance demand from freeholder. Quite why they can't send the two together I don't know but anyway its a bit of good news as they're changing to April 1st renewal so only have to pay one quarter on Jan 1st so less draw down on savings this month.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
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Comes to something when your Christmas present to yourself is a boring kitchen appliance but it replaces a semi-functioning 1980's ugly version so don't mind too much. The lovely (not so) new fella says he'll install it in January for me. It was on a 60% off sale (the appliance not the fella!) so couldn't resist it.
Happy Christmas all!
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 -
Happy new appliance!*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/0 -
Happy New Year lovely DFW folks!
Festive season definitely over here, been away at the lovely fella's for a few days, now to fetch the teenmonsters from their Dad's and feed them for a few days from a somewhat barren fridge/ freeze. Having totted up December spend and January bills, going to be an insanely tight month so savings will be raided again by 15th I reckon. Hopefully no more than the savings I put in on Dec payday though.
Teenmonster#2 have agreed a weekend away with family while XH takes #1 away at Easter which was possibly a frivolous agreement but flights paid for so now just to find hotel money by Feb and then spends.
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 -
Woo! £34 cash back from the lovely folks at quidco has confirmed so have withdrawn it - that's this week's food shopping sorted!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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Or the quidco could also go towards replacing sports shoes for teenmonsters. I will definitely be wangling wfh 3 days per week this month to minimise commuting costs, my bank balance will thank me for it.
A confusing email from one of my credit cards in relation to balance transfers means I've rejigged my payment plan and after Jan's payday will be hammering the NatWest card rather than the Halifax. I also have a 3% inflationary payrise kicking in this month so that will help a little bit with debt crushing.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 -
Debating selling wedding and engagement rings for debt (and 2025 holidays
) dosh. They cost about £3k iirc and I know I won't get that but tempted to get them valued.
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 -
Hi I would get them valued, knowledge is power! V x1
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I like that, knowledge being power. Even if I only got half the cost, that would be a grand off debt and 500 quid towards the holiday I shouldn't have agreed to at Christmas.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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