Learning to budget to make future adventures happen

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  • crunch_time
    crunch_time Posts: 1,353 Forumite
    OMG everyone i have the best news!!

    So husband finally did his tax return after 8 months of nagging) and calculated he was actually owed £3k. We didn't dare believe but were very surprised today to receive an email from HMRC saying he was actually owed £3086 and that he would be paid shortly!

    So happy!!!!!!!!! This will take the loan down to £5200 and nearly pay off all my student debt so we just have the car left. If we then just paid off £850 a month the whole thing will be paid off by July!!

    Still won't absolutely believe it until the money is in our account.

    Currently celebrating with beer and chocolate and a film and feet up!!

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • hugglemonster
    hugglemonster Posts: 1,244 Forumite
    First Anniversary First Post Name Dropper
    edited 3 February 2017 at 9:22PM
    Just read your last post, fantastic news! Now off to catch up!

    H
  • Seasidegal58
    Seasidegal58 Posts: 5,677 Forumite
    First Anniversary Name Dropper First Post Photogenic
    That is absolutely wonderful news on the tax refund crunchy! :T. Just think hopefully the debt will be all done and dusted in a few months and you can start letting your adventures happen. I'd wait until then and buy the ring - it will be even more special if you can buy it with funds you have already in the bank!

    Am joining you with a celebratory beer! :beer:

    P.S. I try to "slush" as well!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Fantastic news that's brilliant xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    First Anniversary Combo Breaker First Post
    Yay to the tax refund x
    Mummytogirls x

  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Amazing news Crunchy!
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Thanks guys!

    Woke up this morning feeling that little bit closer to achieving my dreams.

    Husband and I started making a 'bucket list' last night.

    Just drinking coffee and then going to go for a run. Only managed two so far this year because of the illness and the husband working away so very much looking forward to this one. Then husband and son have hair cuts whilst dd and I run errands. Nice family day.

    Must do some work tonight though - got some very overdue stuff to do.

    Happy Saturday everyone!

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    OMG!! Spoke to the parents this weekend and, long story short, they are giving my siblings and I some inheritance early. £2,000!!!!! Each!!!

    Guess where that is going???

    Can't imagine the loan being about £3k in a few weeks time. Just cannot imagine it.

    Going to have a lie down.

    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    That's amazing news Crunchy. You'll be debt free in no time!!
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Moneywhizz
    Moneywhizz Posts: 459 Forumite
    First Anniversary First Post
    You are making great progress paying off your debt. Don't want to put a dampener on things but have you checked that the email from hmrc is genuine. I have received several emails from them saying that I was due a refund but it was a scam. Apparently they don't inform you of tax refunds by email. This could be completely different circumstances though. Just check it out.
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