Debt free in 23......

12357

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  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    Thanks guys
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    OK, so most of the major, essential house works are done and paid for now! Just a re roof to go but that's not urgent

    So my plan now is all the excess money I get will be stashed for full and finals. If they are refused, then the lump sum will be paid off my mortgage and so the cycle will continue until they are accepted

    Work is very good, summers coming and mentally, I'm in a good place. Feeling very positive for this year :D
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    Just doing my figures......not great for making my brain sleepy but hey ho! Anyway, so far to date, I have paid off 21.9% of my total debts. £850 will get me to 25% ...a whole quarter.....on a mission now!

    I never worked the % out before and I'm quite liking it :D
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    Noting down so I can check if needed without going through my files......CCAs sent.
    As of today, 3 not contacted me. 1 supplied a possible u enforceable one, 1 appears to be correct and waiting on one more coming from the OC via DCA

    Still plodding on.....
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • MissShoes
    MissShoes Posts: 1,283 Forumite
    First Post First Anniversary Combo Breaker Debt-free and Proud!
    Subscribed! And now.....post!

    Shoes x
    • DFD 4th July 2015
    • MFD 1st October 2021
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    MissShoes wrote: »
    Subscribed! And now.....post!

    Shoes x

    :rotfl::rotfl::rotfl:

    Had just put shoes on to walk the dog, so she's super excited. Will post properly on our return :)
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    So, new year and new start!

    Over the last few months, I have just been making the payments to my creditors with the view to offering lump sums this year, however........

    My car is now terminally sick so all extra monies will be put in my new car fund. The roof also needs to be done this year as each repair is costly due to scaffolding. Bite the bullet and get it re done!

    Maybe the latter half of the year will see my debts going down substantially but as long as they're not going up and the creditors are happy with what they're getting, Allstate good

    Will slowly work through the snagging list for my house. They're only small jobs that can be done for very little or free by myself. De cluttering and selling as I go
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • LauraB89
    LauraB89 Posts: 164 Forumite
    Hi Zenshi - just reading through your diary, looks like you are making great progress with the debts!!

    xx
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    Early finish iN work today, so will tackle .......

    House insurance and broadband and try and get better deals!
    Chase eBay for my refund
    Finish waxing coffee table for front room
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • zenshi
    zenshi Posts: 1,117 Forumite
    First Anniversary First Post
    Nearly the end of another month and am toting up finances etc
    On average, I'm spending £90 on food, cleaning products and cat food per month and £25 on my vaping stuff

    Will be back with final monthly stuff soon
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
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