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Debt Free Year

edited 10 December 2019 at 10:08PM in Debt Free Diaries
3.1K replies 230.2K views
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  • SystemSystem
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    Not sure if you ever use Home Bargains or B&M but they have gluten free pasta from time to time. Lidl also have a free from range , not sure what it's like .

    Great bargain at John Lewis.
  • NicnakNicnak Forumite
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    Yes, the lidl one is cheaper than the big brands so will be using that. They just don't have the lactose free range. I could do both supermarkets though. x

    Thanks for that x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
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    Treated myself tonight a non alcoholic bottle of wine tonight, using the free samples to have a mini pamper, watching Harry Potter with some dairy free chocolate.

    Celebrating the house being mine.
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
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    Just changed my signature. I have paid off more than I owe. It took a long time for that to happen, but it's done. 55% debt gone in one year.

    We know this will now slow down drastically, and has slowed down since June. Hopefully, I will end the year on 60% paid off. That's £1250 to pay by December. Natural loan payments are £750 so £500 to find to get to 60%. Tall ask with Christmas, but worth giving it a go.
    x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
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    Oh, and I got a new hoover. Lidl were selling Wax light weight cordless ones with different attachments to do the car, stairs, etc for £79.99. I was really wanting one of these as I find getting the full hoover out annoying and the cord is damaged. It annoys the hell out of me and I can't ever reach the top of the stairs.

    So, just a TV now, but that can wait until he actually takes this one. I guess that will be a couple of weeks when his house actually completes.

    It's my birthday in 15 days now. I think having all of these allergies means people will not know what to buy for me at all. I don't mind as if they do get me things I can't use, I can always regift them for people at Christmas.

    X
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • DorastarDorastar Forumite
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    Blimey, you've done well on the Christmas side of things, no idea what we're doing or what people want this year. Hope you've got a nice easy day planned today.
    Mr T £8465 Mortgage £156,829 going down slowly
    Emergency Fund £1000 Blanket squares 36/60
    Brightfuturefund (BFF) £6118
  • NicnakNicnak Forumite
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    Going to go and have a mini facial today. Really looking forward to it! x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Enjoy your mini facial Nicnak. You seem really on top of things at the moment.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • NicnakNicnak Forumite
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    I tried to apply for a loan over 7 years for the amount I need, and have been declined.

    I've never been declined before so feel a little bit like 'oh'. They emailed to say they will send a letter explaining why.

    I guess it is probably because I am at the top range for my mortgage and that has just gone through. Or because I am now listed as separate?
    Maybe because I already have a loan and even though I am going to pay it off, there is no guarantee I will.

    I only did it to get a reduced payment every month as a buffer. I also told them I intended to over pay as well.

    It doesn't matter in the long term as I am overpaying an managing my payments naturally anyway. I just wanted something lower to take the pressure off.


    I just need to keep going. Sure I will be fine!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
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    I've just realised I am also showing as having two mortgages! One new opened and the other not updated as settled!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
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