Mortgage free by 2023 (!)

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  • Muser1
    Muser1 Posts: 795 Forumite
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    Very similar position to us as we have 1 cc on 0% too. I'm forgetting about that for now and concentrating on the loan. Fingers crossed family say yes.

    I also use Noddle for credit score. It's free so worth a look if you aren't already aware.

    x
    Mortgage Jan 13 99260.00 87253 April 2017
    Emergency fund 700.00
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Thank you Muser - will look on there!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    Sign up to Clear Score as well as it's also free - they reflect Equifax, whilst Noddle reflects Call Credit.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
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    Ali-OK wrote: »
    Sign up to Clear Score as well as it's also free - they reflect Equifax, whilst Noddle reflects Call Credit.

    I love Clear Score. :)
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
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    Thank you all, will do that today if i get chance..

    Got 100 points on Ips0s today so hit another £10 payout and am@zon voucher requested.

    Finally over £20 on 1poll.. p-base very slow at the mo.

    Wages in and there was £19 more than expected so need to allocate that.

    Conversation being had today re family loan, but sounding positive.
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
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    Forgot long term savings up to £42.65!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
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    Happy weekend DF0D, hope you've shifted your cold xx
    Mummytogirls x

  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Cold and cough kept me up half the night!

    Been out this morning, got DS's hair cut, sold a £15 bag which I promptly spent on the haircut and a dress for DD from a selling page. Also got two boxes of hair dye to inflict on myself at half term, giving up on the hairdresser as I want to grow it anyway, plus I just can't afford it.

    Family have agreed to the loan, so should get it next week will pay off CC1 and CC4. Will put the amount up for the everyday CC. Have promised to repay by Christmas 2017, so that is it, we have an absolute debt free date set in stone.

    We will delay the Disney holiday and have agreed to massively focus on clearing it by then. Loose agreement to pay back £1k each quarter which I've budgeted for, so an extra £1k to find over the two years as well as paying off CC3 and the everyday CC which will become CC5..

    All of these CC's will get closed as well as I go along, except for CC4 which I've had forever and will keep as an emergency one.

    Right off to update the signature!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Great plans afoot! Now you can fiddle with spreadsheet and update targets - lucky you!!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    Good to read loan sorted. You're so well organised and focussed :T

    Should save a small fortune colouring hair yourself - I do the same and then just have a dry trim when needed :)

    Hope you feel better soon as well.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
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