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  • FIRST POST
    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
    • 2,077Posts
    • 21,806Thanks
    Suffolk lass
    Get a grip woman!
    • #1
    • 28th Jan 17, 12:18 PM
    Get a grip woman! 28th Jan 17 at 12:18 PM
    Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own.

    We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more "live for today" so we are a good balance, I think. We have two holidays each year and sometimes more - and he has some boys toys - 2 Harley Davidson motorcycles in the garage, that seem to always need money spending on them. That said, there is more to be said in favour of a happy and contented DH than against them so I don't resent them in any way.

    So to debts - It seems a good time because I have recently finished the finance on my car, and as of yesterday, paid off the finance for DS's car (I borrowed from him 18 months ago and paid back by buying his car on finance and paying his insurance). I was paying 4.7% on that debt so it was my highest priority. I paid it off 10 months early using most of my HSBC Regular Saver that matured this week.

    The debts I have currently are:

    110,621 - Mortgage - interest rate of 0.74% (0.5 above the BoEBR)
    3,476 - DH's car - 0% credit card until Sept 17 - a 4000 cash advance with a 76 fee
    8,755.54 - Barclays Finance for double glazing 0% over 2 years 2/24 paid

    Total 122,852.54

    It isn't that I can't afford to keep up payments, it is more that I want us to start our non-work phase without them hanging over us, if you know what I mean.

    I think that will do for a scene setter.

    SL
    MFiT T4 #2 update 94.29% after Q10 ahead of where I should be
    Save 12k in 2018 #53 - after August 78.83% 7,883.47/10,000
    OS Grocery Challenge 2018 spent 1,530.09/3,000 including stores 51% of my annual budget at the end of August.
    My DFD is here
Page 23
    • trix-a-belle
    • By trix-a-belle 13th Sep 18, 8:46 PM
    • 851 Posts
    • 3,608 Thanks
    trix-a-belle
    Ooh, thanks trix, I hadn't heard of them. The new coordinators have only just taken over and may be open to looking. I will pass it on.
    Originally posted by Suffolk lass
    Ah cool, no worries it may put them out of a job baring assisting older residents. I wish i'd found them when I moved rather than once I had a bit of time to look about, as it immediately saved the 'calling round beating suppliers up with each others prices' time.
    - Mortgage: 1st one down, 2nd: 114800 101k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Suffolk lass
    • By Suffolk lass 15th Sep 18, 3:16 PM
    • 2,077 Posts
    • 21,806 Thanks
    Suffolk lass
    We are looking to replace DH's commuting car when he retires next summer. I am currently looking at an electric car with 0 Vehicle excise duty (road fund tax) and that I can charge from a few solar panels on my garage roof.

    I do also want a couple of solar panels so I can heat the growing-tunnel I am planning to grow lots of my own (beyond our current allotment sized veg garden).

    Currently very taken with the VW E-Up (except it sounds as though it is for Yorkshire people, with Yorkshire accents) but it is probably beyond my hoped-for budget. It is the balance between buying something that immediately loses 20% of its' value, and buying second-hand and having to allow for replacement batteries in the budget.
    MFiT T4 #2 update 94.29% after Q10 ahead of where I should be
    Save 12k in 2018 #53 - after August 78.83% 7,883.47/10,000
    OS Grocery Challenge 2018 spent 1,530.09/3,000 including stores 51% of my annual budget at the end of August.
    My DFD is here
    • Suffolk lass
    • By Suffolk lass 16th Sep 18, 9:37 AM
    • 2,077 Posts
    • 21,806 Thanks
    Suffolk lass
    This month's flat period has received a little boost! I forgot to add the amount left in the running costs account on pay-day to the salary and have been awaiting a plunge in total that is not going to happen. With just ten days until DH's pay-day I am tempted to pay the oil man early. Probably prudent to wait until pay-day in all honesty. DH's car VED just DD'd unexpectedly and there could be more to come...
    MFiT T4 #2 update 94.29% after Q10 ahead of where I should be
    Save 12k in 2018 #53 - after August 78.83% 7,883.47/10,000
    OS Grocery Challenge 2018 spent 1,530.09/3,000 including stores 51% of my annual budget at the end of August.
    My DFD is here
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