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Teetering on the brink
Comments
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That's amazing EB, huge well done 👏 👏
MFW -
House purchase £62500
Original mortgage balance 28/08/2014 £52850Original 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 🥳
2 -
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 21/3/224 -
CAB confirmed ESA is the way to go so I have put an application in for that today.
Whilst I was out I posted a book I sold on ebay - every little helps.
I feel completely done in now. 😞 Trying to deal with all these forms and questions etc is bad enough at the best of times but right now, when I am feeling this bad, I just don’t feel up to it. Food and sleep needed. 😴End ofSep-25Oct-25Brother 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
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p15 -
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 21/3/222 -
Thanks. I slept pretty well but sadly woken up by the Trigeminal Neuralgia which just wont stop this morning. 😞
First thing I did was check all my bank accounts - still all ok at the moment. My bills account is now well into the overdraft but I’ve still kept up with everything so far. 11 days to go and I will either breathe a massive sign of relief, or I will be calling the bank because I wont be able to pay the mortgage on the 1st July let alone anything else. The stress of this is just not funny now.
End ofSep-25Oct-25Brother 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
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p15 -
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.
4 -
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 21/3/221 -
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 ofSep-25Oct-25Brother 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
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p13 -
Today has been a very painful one. People have always told me that stress can aggravate TN but until now I never really saw the connection. This week I am beginning to believe them. I woke up in pain and have been in constant high levels of pain all day.
Normally on a day like today I would not leave the house but I had to go out for dog food as I’d run out. Usually I have their food delivered as part of Subscribe and Save from Amazon but I cancelled this month’s delivery as I couldn’t afford the full order and I needed to sell stuff first to be able to afford the food. I think the Pets at Home lady must have got the ‘I’m broke’ vibe from me because I had a few vouchers to use but I came up two pence short to use a £5 off so she said she would sell me a single random dog biscuit for two pence so I could use the voucher. 🤣 I was very grateful.
Tomorrow’s plan is to go to my brother’s and have another go at tackling the van. 🤞the wood should finally arrive and we can start on the floor. I think the weather is supposed to be nice so that will help. 🙂End ofSep-25Oct-25Brother 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
42,549.42Paid off in the month 211.33 274.02
Interested in my diary? Check out...
https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p15 -
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.
4
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