Let's get this show on the road

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  • jwil
    jwil Posts: 19,115 Forumite
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    Hope you both had a better night last night.

    Feb is a massive birthday month here too.
    "If you can dream it, you can do it". Walt Disney
  • Choccygirl123
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    Sorry to hear you've been unwell lifesforl. I know there's so many horrendous bugs out there at the minute. Fingers crossed for your trip away, I'm sure it'll do you the world of good. Shopping budget/spends is looking great, brilliant start to 2019 x
    Finally Debt Free 24/4/2023 
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
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    I hope you both had a better night.

    February is a very busy birthday month here too, and March, April and May lol, thankfully it calms down from June x
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Lifeisforliving19
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    Morning everybody. Just a quick morning update


    Well I am pleased to report that I am starting to feel quite a bit better, and hope to return to work on Thursday. I have 2 part time jobs and there is a story attached to me going back to the other one....will write about that later in another post.
    OH says he is feeling ok to go to work, and off he went first thing this morning, but he does sound dreadful and coughing constantly. Hopefully though he will improve soon. I also worry about who he is infecting at work with all his germs:eek:

    Well yesterday, we ventured over to the inlaws as OH had asked if he could borrow MIL's car for a few weeks until he is told by the DR that his shoulder is ok for him to start riding his bike again. Seems ages ago now since his accident....Oct....and just wish he could get back on his bike and everything back to normal. He has been able to drive a car for last week, but apparently riding a bike is a different matter. Now I am going back to work this week, he can't use our car, so luckily MIL stepped in to help out, as they have 2 cars.
    FIL gave us a belated Christmas present of a small cheque, which will cover the day OH was off work last week and had no earnings.:) He had previously used up his 2 weeks sick pay when he was off after his accident. the remainder of the cheque has gone to the emergency fund, which is slowly starting to increase. Will be glad when we can get it back up to the £1000. But then I suppose that is what an EF is for. If we hadn't had it, we would have been well and truly stuffed when OH had his accident, as we needed so much extra petrol, car parking at hospital and then taxis when he first went back to work. Also he lost 3 days work after the sick pay had run out, not to mention me losing 3 days having to take him for his op etc. Luckily the loss of his earnings and car parking, taxis, etc, we will get back when the insurance pays out. But they have said it could take up to a year. :eek: Still at least we know it will be there eventually.

    Also managed to pay another £4 overpayments off the mortgage today....remember, every little helps.

    Sorry to report I still haven't got round to finishing writing that packing list :(. But I will do it soon as I sit down for half hour with a cuppa.
    Need to get the slow cooker on now and clean the bathroom. Then off to the bank to deposit the cheque. Trying not to do too much yet, as it just wears me out. This getting 100% fit seems to be taking a while
    Have a good day
    DMP 2015 £57,549, now £36,112 (37% paid)
    EF £200 Mortgage OP's this year £115

    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

  • jwil
    jwil Posts: 19,115 Forumite
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    Glad you are feeling a bit better, have a good day :)

    That's nice of the in-laws to loan the car.
    "If you can dream it, you can do it". Walt Disney
  • Lifeisforliving19
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    Well, not such good news on the settlement offer we made to W*s**t. We offered 10% and they came back saying they would accept 85%!!. Mmmm, not seeing that one working. Thought that now the debts had been sold to C*b*t, we might be in with a chance. As if I have that amount of money lying around, to just settle like that....if we did, we probably wouldn't have got in that sort of mess in the first place.


    So time to take stock now and decide on our next plan. I'll keep you informed
    DMP 2015 £57,549, now £36,112 (37% paid)
    EF £200 Mortgage OP's this year £115

    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

  • jwil
    jwil Posts: 19,115 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    How frustrating. Just keep on paying them the £1 until you get a better offer.
    "If you can dream it, you can do it". Walt Disney
  • Lifeisforliving19
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    Morning, I was late getting up today. Well actually I did get up at 6.30 when OH went to work, but then went back to bed for a bit. Feeling a bit delicate today as seemed to have some odd tummy virus in the night/early morning. I do suffer with IBS, but this didn't feel like that and wondering if its the dreaded bug that is going around. Still, as my friend pointed out...at least I am getting everything at once and get it all over with....:rotfl:

    Also, a small piece of tooth broke off last night, one that had already broken and dentist had put a temporary bit over it. Was going to ring up this morning and get him to take a look, but didn't really feel up to it, so will leave it till tomorrow hopefully.
    So all in all I am officially falling to bits...lol Got doctor appointment this afternoon to see about the result of my chest xray. Just sat here with some peppermint tea at the moment.
    I am looking forward to the day when everything is back to normal and I can get up in the mornings and actually feel like I have the energy to actually get dressed and get on with my day. I seem to be like a yo yo lately....1 good day, 2 bad days, 1 good day...etc

    Hoping that I might feel up to a bit of exercise on the Wii and maybe a few minutes on the treadmill. Think that might help. Nice to see some sunshine out there today, even if it is a bit cold. I need sunshine, I am looking very pasty lately:eek:

    So now my wallowing is over...on with the day.
    Check bank accounts
    Wash up and tidy kitchen
    Clean kitchen floor...if I can find the energy

    Not giving myself massive things to do at the moment as I just never find the energy to actually do them and end up feeling worse

    Going to have a look at my spread sheet where we have the debts listed and see what seems to be the best course of action...whether to offer a F&F to another one, in the hope of being accepted, or just leave it and wait for a bit.

    Have a good day everyone. :)
    DMP 2015 £57,549, now £36,112 (37% paid)
    EF £200 Mortgage OP's this year £115

    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

  • Onebrokelady
    Onebrokelady Posts: 7,385 Forumite
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    Hi again, I hope you start to feel completely better soon,I'm sorry to hear your OH had an accident and glad he is recovering well by the sounds of it,all your plans sound great
    I'm taking g the next couple of months to try and build my emergency fund up again before I start saving for next Christmas again
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.9
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    85% is a crazy amount!!! I always thought they took lower than that (hugs) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
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