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First one to clear 15k gets a paper hat
Comments
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Good morning all,
Yes Tirlittan we all went a bit mad yesterday! It must be because it is mid-month and no-one has any money to pay off any debts!!!
I can't wait until payday. It gas been a long month! We had a survey in our organisation asking about Xmas pay for next year. I said I would rather get it at the usual date rather than getting it early. I think a lot of people said the same thing too. It is too difficult in January otherwise.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Oh yes, and I have a confession. I'm going to use two installments that should go to paying CC off on a holiday. I really want one proper one with my bf this year and that's the only way I can afford it. And as I've been paying so much extra recently, I can do it and still pay the CC off before 0% ends so it's really not as bad as it sounds. Please be kind with me....DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Morning you two.
Tirlittan - fair play let us know where you book so I can be all green eyed over it
Was thinking about this "30 years old thing" didn't someone say in the 90's three was the magic number :rotfl: so maybe 30's is where its at :TProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
CMD - Will let you know. Only talked about it yesterday with bf, but probably trying to go before summerDoodledo - I think that's damn right. 30's where it's at!!!
I don't feel the least bit old. DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
You have done very well with the extra payments Tirlittan so don't be hard on yourself, and as Doodledoo says let us know where you have booked!
Everyone is on a different DF journey. Some people are very strict and get there quicker and other (like me) treat themselves from time to time and will take a bit longer. It depends on the person I think!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
No, I only feel about 24 and told I look it too (well maybe when the weight is gone!!!). Have to say having turned 32 my biological clock is booming in my ears though!!! Still don't feel 100% ready for kids though.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hmmm, don't know how I got the two mixed in my last message, would that be the oldness???
I think I could be stricter if I was single. But with bf it's nice to do things. He's quite understanding though of my situation so it does help and he treats me to little things now and again. But I prefer to pay my own way. DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Ooh, just noticed I have another star. So proud of myself!!!!!!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
CMD - you are still plenty young enough for kiddies
maybe you could have our first paper hat baby lol.
You could turn the hat into a cheap and recyclable baby cot maybe :rolleyes:Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Hi all - I did have cartoon and snake pattern jeans as a kid, a black shell suit with flourescent pink highlights and am 38. Used to fancy George Michael... there they say confession is good for the soul....
Well done on the star CMDAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250
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