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Clearmydebts - Diary to keep me away from the path of temptation

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I think it's spring that's affecting us all. It's lovely outside and so nice and easy to go out and spend money. But will get back on the wagon!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like things are going well with max and you are staying on track. Glad your OH is helping out - he sounds a star at the mo!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jmf76
    jmf76 Posts: 363 Forumite
    Part of the Furniture Combo Breaker
    Hi CMD,

    Have to admit I'm spending a little too much atm aswell, prepping for our new arrival!! Glad you're still pushing towards your DFD - keep going, you'll get there eventually!!

    jmf xx

    DFW Lightbulb moment Sept 2006, Debt-free Dec 2009 :j:j:j
    £2015 in 2015: £0
    Comping: No wins yet :think:
    MFW 2015 0/1200
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi cmd hope you are okay

    We have been spending a bit too much recently.... hope it is a blip! But just had my 40th and spent some money accordingly and OH's 40th coming up soon too!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Sounds like things are going well with max and you are staying on track. Glad your OH is helping out - he sounds a star at the mo!

    Hi SavingH,

    Yes, Max is a little star but currently is teething and is in so much pain hte poor thing. My OH is very good with him, so I am very lucky :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    jmf76 wrote: »
    Hi CMD,

    Have to admit I'm spending a little too much atm aswell, prepping for our new arrival!! Glad you're still pushing towards your DFD - keep going, you'll get there eventually!!

    jmf xx

    Thanks Jmf!

    Sometimes that day seems so far away. I know I will get there though, and hopefully this year too!

    How are you?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi all,

    I am back from Ireland. Had a ball at my sisters wedding. She looked beautiful and I enjoyed my role as chief bridesmaid. The weather at the wedding was great and 60 people stayed over in the hotel the next night so we had a brill time.

    I was initially going to let Max stay down at the wedding but the music was far too loud so we took him up to the room and took it in turns to mind him and his older cousin.

    The second night it was so warm we all stayed out on the terrace for ages so I was able to have Max out with me all wrapped up in his blankets. He was very good for the 2 days and lots of people commented on how well behaved he is :)

    Moneywise I am not doing great. Got back pay from child tax credits and OH got a bonus but that was swallowed up by the wedding costs. I feel we are very slow at paying off this debt and have lost motivation a bit but need to get ourselves back on track.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi CMD.

    Glad you had a great time at the wedding.
    Regarding debt, don't be too harsh on yourself. You've done really well and you've deserved a little breather with Max coming along and all. So don't be too dishartened that it's been going slower atm. You will get back on the horse and beat rest of the debt soon enough!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Hi CMD.

    Glad you had a great time at the wedding.
    Regarding debt, don't be too harsh on yourself. You've done really well and you've deserved a little breather with Max coming along and all. So don't be too dishartened that it's been going slower atm. You will get back on the horse and beat rest of the debt soon enough!

    Thanks Tir!

    I think it is just so hard to survive on maternity pay and OH's wages and try to buy things for the baby and pay off debt. I will be so glad when we are debt free. It seems so far away but I know we could clear it this year if we just put our heads down.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • jmf76
    jmf76 Posts: 363 Forumite
    Part of the Furniture Combo Breaker
    Thanks Jmf!

    Sometimes that day seems so far away. I know I will get there though, and hopefully this year too!

    How are you?

    Hi CMD,

    I'm good thanks, struggling slightly in the warmer weather tho! Can't believe I've only got just over 3 months left - I feel like I've got so much to do still!!

    Don't get too down about your debt, every little bit you pay off is one step closer, so keep going. Even if you have to have a little break to prioritise buying things for Max, you've still managed to pay off over 2/3rds of your debt already!! You'll get there! x

    DFW Lightbulb moment Sept 2006, Debt-free Dec 2009 :j:j:j
    £2015 in 2015: £0
    Comping: No wins yet :think:
    MFW 2015 0/1200
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