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Teetering on the brink

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Comments

  • bubblycrazy
    bubblycrazy Posts: 333 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    Happy birthday 🎉🍰

    I hope you've had an enjoyable day

    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • daisy_1571
    daisy_1571 Posts: 2,919 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Thank you, yes I did !

    Gorgeous photo and very well done to you both re the injections, real courage and bravery from you both

    Dxx

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • badmemory
    badmemory Posts: 10,533 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper

    The things we do as a parent that there isn't the remotest possibility of us doing in any other circumstances! Well done.

  • Cherryfudge
    Cherryfudge Posts: 14,832 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    I will echo the congratulations - it's amazing what abilities parenthood brings out in us. And how lovely of your girls to give you cake.

    The time in the garden is a fantastic idea and will pay dividends, though you may have to cash those dividends in if Big Dog hides much more! Tie a bit of pink wool or something on the secateurs - makes them easier to spot. I have lost various implements over the years because I hadn't marked them in something easy to see.

    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Humdinger1
    Humdinger1 Posts: 2,884 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 6 March at 11:05PM

    Hurray for @EatingBeans

  • Humdinger1
    Humdinger1 Posts: 2,884 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    And her daughters and dogs!! Love Humdinger xx

  • Sun_Addict
    Sun_Addict Posts: 25,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Happy belated birthday 🥳 Great news that your DD’s op is done. Well done with mastering the injections, I’d be wary of doing them too 😬

    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • EatingBeans
    EatingBeans Posts: 691 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    Morning all. 👋

    Good news - I woke up this morning and discovered that my two most expensive credit cards are increasing my limits from early April. Now, taking out more debt is the absolute last thing I want to do right now but it might actually be a saving grace as I still don’t have a plan for paying everything between now and the end of June when I get my payout. With Fluid adding an extra £1650 and Aqua giving me an extra £1400 headroom, I should (if I need to) be able to stay on sick leave and juggle everything until I get my payout. 🤞 Currently I am off work until the end of March and my official leaving date is now confirmed as 31st May. I have about 5 weeks annual leave to use up and I am still in discussion with work if I can go back a couple of days a week to boost my pay, but hopefully not put my recovery back. I really don’t want to put my living costs on a credit card so I am still trying to avoid it at all costs, but at least with the extra space I know I have a buffer if I need it. This is a huge relief as I have been getting very worried that Little Dog might still have to go back to the vet, Big Cat is still with us for now but could need putting to sleep before June and the van is due it’s MOT in April (which I already know will need repairs for). Anything that I do spend will be the first to be repaid as it has a near 30% interest rate but at least I will be able to continue to pay all the bills. 😁


    End of
    Sep-25
    Oct-25
    Brother 7,800.00 7,650.00
    Overdraft owed 0.00 0.00
    MBNA CC 11,481.53 11,504.06
    Barclaycard CC 9,662.17 9,558.10
    Fluid CC 1,046.44 1,036.29
    NatWest CC 11,705.36 11,693.03
    Aqua 1,127.94 1,107.94

    Total debt

    42,823.44

    42,549.42
    Paid off in the month 211.33 274.02

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
  • Cherryfudge
    Cherryfudge Posts: 14,832 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    That's a great relief, but of course they have an eye on how much they will get back in interest.

    Good you have a final leaving date. 😊

    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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