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My diary... becoming debt free whilst still having a life!!!
Comments
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Hi Ruby - was just wondering how you are getting on?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Merry Christmas!!
xxxxxThe good you do comes back to you.DFW Long haul supporters No: 134
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Hi Ruby
I know it's been a difficult year one way and another. Glad I happened to see your post as I'm not lurking as much as I used to.
Have a great Christmas and New Year - will ainm to catch up with you in 2010!
Hi to SH and Cas and all your other diary friends too
Belle
xGetting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
Merry christmas all!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
thought I would pop and say merry xmas and you are all here :T
Ruby how are things? been a very difficult year for you
belle nice to hear from you how are are things with you?
SH have been lurking on your diary, sorry to hear of your fall, hope things are a bit better x
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well put as ever SC - love the piccies
Knee is improving... I'll live as my mum always says! Just annoying as in my view they could have prevented the accident!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
HAPPY NEW YEAR TO ALL xx0
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not sure if you are still on here Ruby I hope you are ok and things are going ok for you.
just wanted to say I have paid my last CC payment today and am officially debt free! :j:j
its a lovely feeling ( even though I will be skint until I get paid again lol), I am hoping that we will be able to go away this summer as we havent been away for over 3 years.
only down side is DH isnt debt free so need to work on overpaying some his CC's
SH, YB ,IC hope you are all ok , love to all of you xx0 -
Hi Cas!!
That really is fantastic news well done you. What a great feeling you must have and I think a summer holiday is well deserved!!
Where have you got in mind?
How are your girls?
I am off work this week with a nasty chest infection hence my first real opportunity to come on here!! Life has just been manic...
We are not anywhere near debt free yet, but still going in the right direction and about to move our mortgage back to repayment after 20 months of being interest only!!
to enable us to get back on our feet. Or mortgage lender has written to us today to say that we don't have to wait until our fixed rate runs out in the summer to move to a lower rate! and that if we sign can up before the end of the month we can move to a lower rate now!! So I have done a few sums and by moving to a lower rate we can transfer the bulk of it back to repayment and just leave the amount covered by our ISA on interest only. So that hopefully means that debt will start going down as well now. Phew!!
OH started a new job yesterday that we are hoping will bring us more money each week, so I am optimistic.
Life doesn't feel as tough as it did when we first started this debt busting journey so I think we have the balance a bit better now. We are still menu planning each week, and overpaying on the CC's etc. but managing to also have a bit of a social life and treat the kids now and again.
Anyway, that is me!!
Hope all the others are well and happy.
Off to have a cuppa.
xxxxxx:)The good you do comes back to you.DFW Long haul supporters No: 1340 -
Hi everyone, I am still about... who else is?
Debt busting continues, although wehve had to add to our debts as well, but where we have it has been at the lowest possible rate and not stretched us anymore.
How is everyone?
xxThe good you do comes back to you.DFW Long haul supporters No: 1340
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