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First one to clear 15k gets a paper hat
Comments
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            hi,
 pay day today i am lucky has i get tax credits on tue and pay day each fri.,
 but have a rough time at mo just had my hours cut to part time.so got to tighten the purse strings have manged to pay £40 extra off the credit card.all January's direct debits are know paid.
 just listed a few more bits on e bay got 40 items listed know.
 off to update sig
 SPC no:0760
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            but at least you've got a plan for the coming months LOL
 Hit 3k on the challenge, roll on paper hat! YEEEHA!
 Well done Missy! I hope to make a good dent when my savings come through and I get paid! Woo hoo!Total (Aug 19):€58,567 Now:€26,947
 DFD:Nov 22/June 22
 Mortgage: €199,712
 MFD: March 2042/July 20340
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            Hi all
 Hope everyone is doing OK. I am just popping on before I head off to read my book club book (long way to read, book club is tomorrow!!)
 I have killed off my ISA today as the interest rate was just annoying me, so I will pay off the holiday stuff on my credit card and then throw all other payments at my Virgin card and sod the stupid low rate ISA - it means I will start to see my total debt actually go down and won't have quite so many variants of the same thing in my signature 
 Roll on tomorrow (pay day) - my account will look sooooooooo [temporarily] healthy between the cash from my savings and my pay - woo hoo
 *note to self - make all the payments very quickly; don't get overexcited and blow it all on a handbag£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
 Sealed Pot #389 (2010=£133)0
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            Morning all! I've got itchy fingers as I've not paid anything off a debt for awhile. Going to have a look at printer/scanner/copiers tomorrow so I can start doing some Mystery Shopping, though I guess I could use the ones at work and as my computer at home is not very reliable getting on the web, it might be my only option. I do have some money to use from amazon sales, but saving that atm for the printer to make even more money. Also haven't had my haircut so could use that £27 to pay more off Virgin CC...It gets bit addictive doesn't it, paying off debts? DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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            I love this time of month!
 When the direct debits start coming out, my current account balance is in the black....happy days...
 Then soon enough it all crashes back down to earth, but until then.... life is good.....im off to see if anything has paid out of my accounts yet....Wealth is not measured by currency0
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            Ah, but soon you'll be paid on 15th like me and then end of month is even worse....DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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            i'd forgotten that.... but thanks for reminding me LOL
 should hopefully be sorting out getting our old flat deposit back today, so that'll bump the figure up quite a bit too....
 DH's first loan payment has come out so 136.56 to add on! woohooWealth is not measured by currency0
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            Couldn't resist it. Just paid £40 off my Virgin CC as there's £46 on the way from amazon sales.. DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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            excellent stuff Tirl'
 our food shopping has just arrived so freezer is super stocked! So we should be fine for the next fortnight (only a small freezer), and just need fruit and veg/lunch stuff top ups.
 I'm going to need to get into the habit of taking lunch now..... its gonna all be a shock to the system, early morning starts.... taking lunch etc, but feeling positive.
 Now I'm off to get my deposit back!Wealth is not measured by currency0
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 Don't hold on too tight it will rip:rotfl:but at least you've got a plan for the coming months LOL
 Hit 3k on the challenge, roll on paper hat! YEEEHA!
 I've set up a load of payments to go out friday - I can't wait LOL:rolleyes:Achieve 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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