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A trilogy in seven parts.....hypno's latest efforts
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well done SP
HAPPY REST OF YOUR LIFE DAY :j:j:j
woop woop :T:TWAS DEBT FREE & STILL BAAARRRRRKING :cool:
hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o
BAAAARRRRRRRRRRKING er insanely so
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Thanks Shaun!:Tshaun40400 wrote: »luck luck luck luckluck luck luckluck
luck luck luckluck luck luck luck
gone back and read last few pages - thanks too to everyone else that wished me luck. Should find out whether I got thro first stage next week but then would still have multiple stages to go !Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Well done Skint Spice. Can you post the gory details, how much, how long, how you did it?
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Morning to Hypno and all debtbusters!
Skint spice - WELL DONE YOU!!!!!!! Brilliant news when one of the crew gets their release papers!! My debt free day will be somewhere around 2014/2015, when my IVA finishes, but I am sure it will soon come round. Payday today. cheers and tears all round. Tears because I have to renew my sodding car tax today, as well as pay other bills that have lurked behind the bushes waiting for payday. Never mind, we will have fish and chips from the local chippy tonight as a payday treat.One life - your life - live it!0 -
Congratulations, Skint Spice!!!
Thats seriously good news!
I'm just about to have a RL cup of tea, to which I'll add a virtual champagne chaser!
And for the mini Hypnos too, off to play in the big wide world, lovely.
Have a good one, Hypno, and everyone else too. I'm off to London, a seminar and then work. At least I'll relax on the train!
2023: the year I get to buy a car0 -
Fantastic news SkintSpice! I'll chip in with some celebratory chocolates and some more fizz :beer:Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)
C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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Just back from shopping, and, like Hypno, have stocked up fridge and freezer. So, even though I spent 3 times as much today as intended, at least what I've bought will be used over the month so should be able to clock up a few no-spend days in July. That's my excuse, anyway. I have no overdrafts or credit cards any more so once it's gone it's gone. At least all the bills get paid now and I don't have to send the OH down the docks on a Friday night......One life - your life - live it!0
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Well done Skint Spice. Can you post the gory details, how much, how long, how you did it?
L
Gory details now available on the Roll of Honour but the jist is - just keep going. This must be the first time in my adult life that I'm in control of my finances which is weird but life begins at forty...;)Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Not much to report - have done a couple of dooyoo reviews and it is double scratch day today too.......
I have decided to have a £20 challenge.....
As anyone who has seen my spending diary knows, one of my problems is spending the odd 80p on coffee at the ski club, 50p on chocolate etc.......so I have taken out £20, and will see just how long I can make it last.
The idea is that this doesn't cover milk, bread or other essentials that I have to buy during the week, nor will it cover bus fare etc, but it has to cover anything I could think twice about spending, or could find a cheaper way of doing it.
So.......I have no idea how long this will last for, but it is worth a go.....!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
prediction time
£20 will just about last 9 days,,,hypno will come on here and give out about it :mad::mad::mad: and :mad::mad::mad: and :mad::mad::mad::mad::mad:
next £20 will last all month:rotfl: WAS DEBT FREE & STILL BAAARRRRRKING :cool:
hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o
BAAAARRRRRRRRRRKING er insanely so0
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