On a Positive Note

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olympic_torch

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Post by olympic_torch » Fri Jan 20, 2012 10:34 pm
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We had our mortgage statement today, starting to drop a bit now.
if i can steel myself once our iva is completed, i would like to use the money to overpay, which means i could finish my mortgage 3 years earlier, then i plan to use the avc's on my pension to pay off anything that may be left.
then its cheerio work, a bench in the park, and that will do nicely.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
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Car1e

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Post by Car1e » Fri Jan 20, 2012 10:37 pm
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I wish you all the best Olympic. Quite fancy a bench in the park myself!
We are all in the gutter but some of us are looking at the stars - Oscar Wilde. My blog: http://car1e.blogs.iva.co.uk/
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olympic_torch

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Post by olympic_torch » Fri Jan 20, 2012 10:40 pm
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Thanks, well, that's part of my daydream anyway.
you never know what's around the corner, but i hope to get there.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
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kazzafunk

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Post by kazzafunk » Fri Jan 20, 2012 10:45 pm
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Great plan OT.

I intend to spend this spring and summer in the garden enjoying my early retirement instead of racing to cut the lawn on a saturday so I can rest on a sunday before work.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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plasticdaft

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Post by plasticdaft » Sat Jan 21, 2012 11:24 am
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I am hoping to make overpayments to the mortgage soon,as its sitting on 2.5%(TSB SVR),fortunately we didnt take as big a mortgage as TSB offered us so the mortgage isnt massive anyway,but still has just under 20 years to run.

I have seen a nice bench but its on top of a local hill and the view is fantastic,hopefully by the time I retire I will still be able to walk the rocky path up there.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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kallis3

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Post by kallis3 » Sat Jan 21, 2012 11:38 am
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Sooner I can leave work the better!!! Will be able to spend more time walking the dogs!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Shining

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Post by Shining » Sat Jan 21, 2012 12:05 pm
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I want to reduce my hours at work but not stop completely (or I'd be lazier than I am now!).

All the best OT with your plans hope they come to fruition. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Sat Jan 21, 2012 12:20 pm
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I can't wait to be a lady of leisure!!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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olympic_torch

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Post by olympic_torch » Sat Jan 21, 2012 4:43 pm
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I try to get away with as little as possible now, i just need the bus pass to prove it.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
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kallis3

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Post by kallis3 » Sat Jan 21, 2012 4:50 pm
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I've got to wait another seven years for my bus pass unfortunately!!

I do as little as possible!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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olympic_torch

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Post by olympic_torch » Sat Jan 21, 2012 4:56 pm
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Same for me, just over 6 years, not that ours are much good round here, cant use them till after 9,30am
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
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kallis3

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Post by kallis3 » Sat Jan 21, 2012 5:03 pm
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Hubby has had one for a while as he was in receipt of disability benefit - not heard him say if he could use it before 9.30 - not that he's usually out before then other than walking the dogs!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Shining

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Post by Shining » Sun Jan 22, 2012 8:01 am
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My mum uses hers a lot but she's in the city whereas where I live you hardly ever see a bus x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Sun Jan 22, 2012 8:56 am
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Hubby uses his to go and collect his pension from the Post Office and do some shopping in the village at the same time. I think he quite enjoys using it!!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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kazzafunk

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Post by kazzafunk » Sun Jan 22, 2012 2:38 pm
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Yeah - I think it's usual to not be able to use until 9.30 - to let all the workers get to work 1st!!
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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