Must stop spending

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  • abba1772
    abba1772 Posts: 7,746 Forumite
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    That's fab news about the house......fingers crossed for you

    Well done on getting your overall debt below £6k
    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
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
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    Everything crossed for you LMSTM, when is the next phase of houses released for you to reserve? :)
    :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:
  • little_miss_spendtoomuch
    little_miss_spendtoomuch Posts: 232 Forumite
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    This weekend!!

    We have to phone up tomorrow to make an appointment. We don't even know how much the next phase of houses cost :(
    May 2015: £11685.56 / November 2017: £2076
    Credit card: £302
    Paid back : £700 / £2476
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
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    Think positively, if it's meant to be it will be :)

    Our development put each phase up by about £5k on most properties (very upsetting as we have bought in Phase 6 :eek:) but I know they are all different. Who is the builder?
    :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:
  • little_miss_spendtoomuch
    little_miss_spendtoomuch Posts: 232 Forumite
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    They put the house we wanted up by £15k. So annoying. We decided on the 3 bed and we got it!! Woop.
    Only problem is they have put a ridiculous exchange deadline on considering it's Christmas next week :(
    May 2015: £11685.56 / November 2017: £2076
    Credit card: £302
    Paid back : £700 / £2476
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    When's the deadline 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
  • Haylescom
    Haylescom Posts: 342 Forumite
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    Don't worry too much about the exchange date! We reserved a plot pretty much this time last year with a 28 day exchange deadline. Our house was sold within a week, but the developers delayed as their paperwork wasn't ready! We didn't exchange until mid March. As long as you're not dragging your heels and doing all you need to do then they won't mind.
  • little_miss_spendtoomuch
    little_miss_spendtoomuch Posts: 232 Forumite
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    I hope so!! I'm really starting to worry about the exchange deadline. Our housing association are useless and lieterally just ignore my emails :(
    The deadline is 16th Jan. They reckon they gave us an extra week because of Christmas but our solicitors is closed for over a week over Christmas!

    I got a £500 Christmas bonus at work. It's twice as much as we got last year! I'm going to put £400 straight onto cc1. I'm going to leave £100 in my bank to cover the last few Christmas presents and it should help me out with the long wait between pay in December to January pay day.
    One of the terms on our new mortgage is that I clear my debt before we complete! Ha! The only way this could be possible is that we will be moving in with my parents for a few months between exchange and completion. Not ideal but they won't expect much money from us so could really help me out.

    So excited for Christmas!!
    May 2015: £11685.56 / November 2017: £2076
    Credit card: £302
    Paid back : £700 / £2476
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Options
    We had similar terms when we went for our mortgage we had to clear three debt accounts before completion .......was a pain in the bottom 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
  • little_miss_spendtoomuch
    little_miss_spendtoomuch Posts: 232 Forumite
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    Yes a big pain but I think it's the kick up the bottom I need to finally get rid of this debt.
    Did you manage to clear all yours in time? X
    May 2015: £11685.56 / November 2017: £2076
    Credit card: £302
    Paid back : £700 / £2476
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