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  • FIRST POST
    • Dolly Rocker
    • By Dolly Rocker 2nd Oct 16, 1:06 PM
    • 3,641Posts
    • 10,332Thanks
    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
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
Page 2
    • EatingTheElephant
    • By EatingTheElephant 20th Oct 16, 6:53 PM
    • 1,224 Posts
    • 6,704 Thanks
    EatingTheElephant
    Welcome to mfw

    We are big HP fans in this household too!

    Good luck with your plans.
    • Dolly Rocker
    • By Dolly Rocker 20th Oct 16, 9:53 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    Thank you.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 22nd Oct 16, 11:52 AM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    16.5hrs OT worked by the end of this shift today

    26.00 paid into my paypal from one of my survey sites, will leave that in there as will be buying from ebay in the next couple of weeks anyway.

    Waiting on 20.00 sainsbobs vouchers coming in the post from another survey site, once that comes in can tick another Christmas pressie off the list.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 1st Nov 16, 2:58 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    Okay so the two weeks of OT has come to an end and I managed to work a total of 29.5 hours. Will get paid for 44.25hrs in total.

    Not going to lie this is not going to be put towards savings or debt, the plan for this was to have some money to enjoy next month.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 1st Dec 16, 6:28 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2016 update
    So debt this year started at 14,523.76 and is 8,677.47 as of today.

    Still quite a bit to go but that will definitely be gone in 2017.

    May not be able to save too much in 2017 but will still make an effort to put away what we can.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 2nd Feb 17, 1:32 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2016/2017
    Get rid of the debt, all 14,523.76

    Update
    So debt total is now at £8,884.67 so making good headway. Plan is to get rid of it all by end of this year & if we can make a start on some savings.

    Still keeping up with my surveys & up £211 at the minute, not able to cash out on all of them as yet but will keep going with them & use them all for Christmas shopping 2017.

    Will be back next month with another update.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 1st Jun 17, 1:52 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2017/2018
    Get rid of the debt, all £15,000.00

    Update
    So debt total is now at £7,756.32 so making good headway. 6 payments left this year to get rid of the debt so need to pay £1,292.72 each month to have it gone for good.

    I'm going to budget better from my own account & any funds left over at the end of each week I will transfer over to the July 2017 payment fund.

    Transferred £2.72 today so need to find £1,290.00 by the end of this month. The majority of this payment will come from our bills funds but will need to try hard to reach this target!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 4th Jul 17, 3:02 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2017/2018
    Get rid of the debt, all £15,000.00

    Update
    So debt total is now at £6,926.46.

    5 months of payments left in 2017 & I would love to have that total amount gone but not sure it is going to be possible.

    I would need to scrape together £1385ish each month & I just don't have that sort of income!

    If I can make it to December 2017 & have hundreds of pounds rather than thousands of pounds worth of debt this would be amazing.

    Then its time to focus on the deposit savings

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 20th Sep 17, 10:57 AM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2017/2018
    Get rid of the debt, all £15,000.00

    Update
    So debt total is now at £4999.83

    Just under the £5k mark, will go down again next month when I make the payments.

    I really really really wanted to be debt free by December 2017 but this is not going to happen, it will be gone now for February 2018 then the saving can commence.

    What is a journey without some bumps in the road eh??

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 5th Nov 17, 2:45 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2017/2018
    Get rid of the debt, all £15,000.00

    Update
    So debt total is now at £1,990.00

    Eeeeeeeeek it's almost gone for the last time!!!!!

    I had a secret stash (doesn't everyone) of £1,000.00 that I used last month to pay towards the CC so that means that we will be debt free before Christmas!

    Cannot wait to start saving the deposit!

    Need to figure out if its best for me to get a Help to Buy ISA or a Lifetime ISA in April so that we can get the bonus from the Government when we buy the house!

    Decisions decisions but this time smart ones!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 29th Nov 17, 3:00 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    2017/2018
    Get rid of the debt, all £15,000.00

    Update
    So debt total is now at £980.00

    Can't believe the debt is in the hundreds now rather than the thousands. Feels like such an achievement to get it down to this amount.

    Can't wait to be debt free, one more payment to go!!

    Can start the savings from 25th January 2018

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • greent
    • By greent 29th Nov 17, 6:43 PM
    • 6,690 Posts
    • 68,863 Thanks
    greent
    Well done, Dolly
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • Kittenkirst
    • By Kittenkirst 30th Nov 17, 9:34 AM
    • 1,764 Posts
    • 9,460 Thanks
    Kittenkirst
    So lovely to read your last few updates....you!!!8217;ve really annihilated that debt down. Really well done!
    2018 MFW #20 - OP £669.60/ £3000 22% Jan: £417.42 Feb: £252.18

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Dolly Rocker
    • By Dolly Rocker 30th Nov 17, 10:45 AM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    Aw thanks both of you!

    I'm super happy, just wishing the time away so I can make that final payment to the debt on 21st December!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Dolly Rocker
    • By Dolly Rocker 21st Dec 17, 1:38 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    Today I am DEBT FREE


    I did it!!!

    Paid the last balance to my CC this morning, £15,000 of debt paid off in 2017

    Best Christmas present ever

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • Tradcob
    • By Tradcob 21st Dec 17, 8:08 PM
    • 87 Posts
    • 198 Thanks
    Tradcob
    Congrats Dolly!!!
    Have a lovely Christmas!
    • erin_transport
    • By erin_transport 21st Dec 17, 9:08 PM
    • 431 Posts
    • 1,969 Thanks
    erin_transport
    Amazing!!
    Well done!!!!
    On a mission!

    2018 MFW #138
    • greent
    • By greent 22nd Dec 17, 3:37 PM
    • 6,690 Posts
    • 68,863 Thanks
    greent
    Congratulations, Dolly! - fantastic achievement!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • Dolly Rocker
    • By Dolly Rocker 22nd Dec 17, 8:49 PM
    • 3,641 Posts
    • 10,332 Thanks
    Dolly Rocker
    Thank you, thank you, thank you!

    Still on a buzz from it.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • clarew
    • By clarew 22nd Dec 17, 8:52 PM
    • 488 Posts
    • 411 Thanks
    clarew
    Wow-fantastic-well done you! I need to do more surveys I get despondent when getting kicked out of them! Mind you only need 10p before my Onepoll payout....!

    Looking forward to reading the mf diary now too!
    Original mortgage 185k. 2003
    Current mortgage. 85k. Dec 2017
    OP £243/month-Aiming to finish June 2025 instead of October 2028 (whilst keeping the 4 dependents fed,watered,clothed,sheltered and paying for school paraphernalia)
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