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Teetering on the brink

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Comments

  • bubblycrazy
    bubblycrazy Posts: 348 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    That's amazing EB, huge well done 👏 👏

    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 🥳
  • Cherryfudge
    Cherryfudge Posts: 15,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Fantastic news on the bank account. We are all breathing a sigh of relief with you, and doing a bit of a happy dance. 💃

    I'm impressed by you refitting the van - I wouldn't know where to start but you seem to have it all planned out.

    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
  • Cherryfudge
    Cherryfudge Posts: 15,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Well done for getting your ESA application in, and for the book sale.

    I just noticed that V1nted offers 'up to' £15 if you successfully refer someone - perhaps your older DD might be persuaded to be a referral, or someone else you know?

    I hope you sleep well tonight.

    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
  • ellenvan
    ellenvan Posts: 433 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic

    Following and hope we are whooping with delight for you in 11 days time.

    That should take away so much stress for you.

    Keep going until then and rest when you can.

    If you can't rest distract yourself with the van or listing if you have anything left to sell.

  • Cherryfudge
    Cherryfudge Posts: 15,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    You have probably done this already but is there any leeway to pay a bill or two later?

    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
  • EatingBeans
    EatingBeans Posts: 780 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    I haven’t asked to pay anything later because it really is an all or nothing thing at the moment. I have enough money to get me to the 24th (which is when they should pay me), after that, I will either have the money and everything will be able to be paid on time, or, they wont have paid me and I will be down to about £10 in my account, with no savings, no income due any time soon and literally everything will bounce. A few things are paid at the very end of the month but most things are paid the first week of each month so if they don’t pay me on time I will be spending a lot of time on the phone asking for any kind of payment holidays anyone will give me.


    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
  • ellenvan
    ellenvan Posts: 433 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic

    Is there any way of checking in advance that you will get your payout on the correct date?

    The stress of thinking it might not must be really horrible.

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