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  • FIRST POST
    • Dolly Rocker
    • By Dolly Rocker 2nd Oct 16, 1:06 PM
    • 2,646Posts
    • 7,043Thanks
    Dolly Rocker
    Accio home, then Diffindo mortgage........
    • #1
    • 2nd Oct 16, 1:06 PM
    Accio home, then Diffindo mortgage........ 2nd Oct 16 at 1:06 PM
    If only it was as easy as casting a couple of Harry Potter spells eh!

    I am a lurker in the MFW boards.

    Main reason being at the moment that I am currently a DFW (Debt free wannabee). I have always been a bit frivolous with my spending which has kinda rubbed off on my DH (my fault) however we are both now in the zone with getting rid of the debt & saving for our own home

    This is going to be a long term diary for me but I wanted to start it now so that I could share my full journey with you all & hopefully in years to come I can inspire someone else like me to realise that we can do this!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
Page 1
    • Dolly Rocker
    • By Dolly Rocker 2nd Oct 16, 1:09 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    • #2
    • 2nd Oct 16, 1:09 PM
    My goals..........
    • #2
    • 2nd Oct 16, 1:09 PM
    2016/2017
    Get rid of the debt, all 14,523.76

    2017 - 2021
    Save, save, save

    2021-2022
    Buy home

    2022 - 2038
    Be mortgage free

    See long term goals!

    Dxxx
    Last edited by Dolly Rocker; 03-10-2016 at 12:30 PM.
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • timefortea
    • By timefortea 2nd Oct 16, 5:49 PM
    • 257 Posts
    • 400 Thanks
    timefortea
    • #3
    • 2nd Oct 16, 5:49 PM
    • #3
    • 2nd Oct 16, 5:49 PM
    The great thing about being a DFW is that by the time you do become DF, you're so used to being frugal and making payments that you can just divert what you were paying towards debt into your savings instead, and the house fund soon mounts up. I became debt free earlier this year and have saved £3,500 since, because I'm still living frugally. If I'd gone from owing nothing to trying to save I'd have managed half of that, because I wouldn't know how much it's possible to cut back when you have a goal.

    Good luck!
    • Dolly Rocker
    • By Dolly Rocker 2nd Oct 16, 5:59 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    • #4
    • 2nd Oct 16, 5:59 PM
    • #4
    • 2nd Oct 16, 5:59 PM
    Fab!

    That's exactly what I was thinking, looking forward to seeing the savings go up rather than the debt go down!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 10:54 AM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    • #5
    • 9th Oct 16, 10:54 AM
    • #5
    • 9th Oct 16, 10:54 AM
    2016/2017
    Get rid of the debt, all 14,523.76

    Update
    Managed to switch one of my CC balances to 0% the other day! Happy with that, will help with the reduction in the debt over the next year.

    Also joined another surevy site & already up at 5.10, can cash out at 40.00. Hope I can manage it this side of the year, that would be great.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • newgirly
    • By newgirly 9th Oct 16, 11:20 AM
    • 5,210 Posts
    • 35,885 Thanks
    newgirly
    • #6
    • 9th Oct 16, 11:20 AM
    • #6
    • 9th Oct 16, 11:20 AM
    Hi dolly rocker, welcome and good luck with the new diary

    Not everyone on here has a mortgage, some did and have paid it off and some are saving to one day have a mortgage, it doesn't matter
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 11:22 AM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    • #7
    • 9th Oct 16, 11:22 AM
    • #7
    • 9th Oct 16, 11:22 AM
    Thanks newgirly.

    I love having a wee diary to come on & update.

    I am in love with this forum, it is literally going to change my life!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • newgirly
    • By newgirly 9th Oct 16, 11:46 AM
    • 5,210 Posts
    • 35,885 Thanks
    newgirly
    • #8
    • 9th Oct 16, 11:46 AM
    • #8
    • 9th Oct 16, 11:46 AM
    It definitely will! When I joined six years ago we were deep in debt and had almost lost our house, it totally changed they way I thought about money and contradicted most of the advice I had been told by my parents as I grew up ( sorry mum and dad!) there are some very wise people knocking around this forum
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 11:48 AM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    • #9
    • 9th Oct 16, 11:48 AM
    • #9
    • 9th Oct 16, 11:48 AM
    Very true.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • ab_saver
    • By ab_saver 9th Oct 16, 3:18 PM
    • 206 Posts
    • 541 Thanks
    ab_saver
    Followed you over from DFW (I spent this morning reading your diary from the very beginning). Like the HP-inspired name - will have to pick something interesting for my next diary.
    I've found myself lurking here in MFW more and more as it's inspiration for what I'm going to do when I'm back on track!

    Subscribed.
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 3:30 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    Hey,

    Yeah I want to be Debt Free then eventually Mortgage Free so I lurk on both boards too.

    Just thought I would start my MFW diary now rather than wait.

    Oh I love HP!!!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 18th Oct 16, 3:54 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    Just seen the most amazing Harry Potter handbag

    165.00

    Will save up & buy this next year........ maybe!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • newgirly
    • By newgirly 18th Oct 16, 6:14 PM
    • 5,210 Posts
    • 35,885 Thanks
    newgirly
    Well you must post a link

    Did you see the Xmas dinner in the great hall the other day, £240 per person including wand, dinner, lift from the station on the hp bus, a few drinks and a disco and bar in the lobby after! Amazing and very tempting, all sold out now mind
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • Dolly Rocker
    • By Dolly Rocker 18th Oct 16, 8:19 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    No way, I would love that!!

    Might need to keep an eye out for next year.

    https://www.etsy.com/uk/listing/261343658/harry-potter-leather-book-bag-the

    It is so pretty.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • newgirly
    • By newgirly 18th Oct 16, 8:34 PM
    • 5,210 Posts
    • 35,885 Thanks
    newgirly
    That's a nice bag

    Have pm'd you!
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • Dolly Rocker
    • By Dolly Rocker 19th Oct 16, 4:03 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    Work have released some OT for the remainder of October, hoping they release for November also.

    I am going to try & aim for an extra weeks wages in my pay at the end of November so the target is to work an extra 25 hours.

    This will really help with the festive period for me.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 9:38 AM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    Okay so 2.5 hours OT will be complete by the end of the day, not much but it will all add up

    I was also expecting 100.00 from Nationwide this morning for switching my main current account to them but it hasn't come in

    Emailed them to ask what is going on because I have met all the criteria for it & if I do get paid this it will really help with the Christmas shopping.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • SueP19
    • By SueP19 20th Oct 16, 11:05 AM
    • 1,697 Posts
    • 14,448 Thanks
    SueP19
    Hi Dolly, welcome MFW (I'm an ex DFW too and switched to here once all my debts were ticking along and zero interest for life)

    A tip.....apart from doing an SOA, don't be too rigid on the plans, sometimes things come along and bite you in the b*m

    As a very good MFW said a £1 is a £1 is a £1 that's all it takes just one pound after the other

    Good Luck
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 11:23 AM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    Hi Suep19,

    Aw that is such a good way to look at it.

    I know these plans might change & if that happens I will just adjust to them.

    We will see how this all goes as the months & years tick on.

    Excited to see this DFW journey to an end so I can move onto the next step.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 6:47 PM
    • 2,646 Posts
    • 7,043 Thanks
    Dolly Rocker
    4.00 earned on a survey today
    1hr OT tonight
    23.00 paypal cash out from surveys

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
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