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Raphael's DFW Diary ~ The beginning of the End

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  • torianut
    torianut Posts: 1,841 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sorry you've had a bad day raph xx
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    lil_me wrote: »
    Ask the garage - will they be able to source a reconditioned alternator or have yours repaired? We've saved people quite a bit doing that.

    (big squishy hug for your horrible day)

    Oh, sports soccer or whatever it's called £2.49 I paid for a big brolly

    My step-dad did suggest a re-conditioned one. But if it's a new one it should be under warranty and less likely to fail. And I'm just fed up with it so told them to go ahead, I don't want to have to take it back anytime soon.

    Sports soccer are really good, I'm heading into town on friday so will pick one up, just got to survive til then!

    The good thing about today...when walking home I felt like buying a pasty, or ordering pizza tonight, and thinking if £45 has come off the card, any more won't matter. I resisted! I spent no money, and ate healthy when I got home. (Well I had mash, but I think I deserved that) It's sad, but I'm proud of myself :o
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • beanielou
    beanielou Posts: 96,132 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope tomorrow is a better day for u & its not raining(I cant find my brolly,baa)
    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.
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Hope tomorrow is a better day for u & its not raining(I cant find my brolly,baa)

    Well, it was and it wasn't :rolleyes:

    My step-dad reckons a new one will cost about £60-ish (plus labour of course)

    What my step-dad didn't tell me was that £60 was based on an alternator he bought...for his boat :rolleyes: (he lives on a canal boat). A car alternator cost me £169!! :mad: With the labour the final price was £260.27 in the end. verdammt.gif

    I was a little down earlier, but I've perked up now. Not much I can do about it :rolleyes: Kay Sera Sera.

    On the plus...I rang HFC for a settlement figure for Loan 1. The final amount they want is £780.34!! So that means I can pay off the loan, and still have a couple of hundred left to put on the credit card.
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Well, it was and it wasn't :rolleyes:



    What my step-dad didn't tell me was that £60 was based on an alternator he bought...for his boat :rolleyes: (he lives on a canal boat). A car alternator cost me £169!! :mad: With the labour the final price was £260.27 in the end. verdammt.gif

    I was a little down earlier, but I've perked up now. Not much I can do about it :rolleyes: Kay Sera Sera.

    On the plus...I rang HFC for a settlement figure for Loan 1. The final amount they want is £780.34!! So that means I can pay off the loan, and still have a couple of hundred left to put on the credit card.

    Ouch!!!!!!!!!!!! but at least you are mobile again!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The_Dragon wrote: »
    Ouch!!!!!!!!!!!! but at least you are mobile again!

    Hmm that's what my mum said! :rolleyes: Looking on the positive side (which is how I try to look at all situations now) at least I had the money available to me. Before, I had nothing, I wouldn't have been able to pay it unless I missed my rent or some other bill. I feel annoyed that I've had to use the credit card when I'm trying to pay it all back, but at least I had money put away for an unexpected bill.

    Can't wait until Feb now, counting down til HFC 1 pay off!! :D:D
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • jamesd
    jamesd Posts: 26,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry to hear about the car cost but using the credit card for emergencies is perfect use of a card, so it's fair enough. Looks as though HFC1 being gone is in your near future!
  • beanielou
    beanielou Posts: 96,132 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on settlement fig, sigh to car bill.
    Keep going hun
    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.
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey all, just a quick one. Despite gaining 0.2 lbs last week I stuck at my diet and I've lost 4.2 lbs this week! :D :T

    Wooooo!!!
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Well done Raph!!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
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