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First one to clear 15k gets a paper hat
Comments
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Yes I am still chirpy. My boss and new boss are currently thrashing out when I can start my new role. Felt like saying "well can it be soon as I really need that extra cash for my MSE challenge" lol.
I worked out my SOA yesterday and it looks so much rosier
and I even went one step further and worked our my SOA once I am debt free and the difference is amazing. I will really be able to give my DD the life she deserves :T Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Yes I am still chirpy. My boss and new boss are currently thrashing out when I can start my new role. Felt like saying "well can it be soon as I really need that extra cash for my MSE challenge" lol.
I worked out my SOA yesterday and it looks so much rosier and I even went one step further and worked our my SOA once I am debt free and the difference is amazing. I will really be able to give my DD the life she deserves :T
Good on ya! After a hard 6 months your life is turning the corner!!!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
CMD - thanks hun. I warn you the day my house sells and I clear my debts I will be a nightmare lolProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
CMD - thanks hun. I warn you the day my house sells and I clear my debts I will be a nightmare lol
No you won't !!!! We all want to see everyone clearing their debts and being happy! I think we will all be entitled to be happy the day all of our debts are gone!!!
You better stick around to encourage us!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Oh I will believe me as I am determined to remain a MSE'r.
I will just change my challenges from debt busting to savings, same principle isn't it just I'll get excited about a balance going up for a change lolProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Hi Doodledoo - really pleased for you and your DD! Won't it be fab when you are free and clear - and even better once you have saved up the deposit you need!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 -
Yeah its going to be amazing. I am trying hard not to get too excited as obviously in this market the house may not sell.
Once its finished the house will be ready for someone to walk in and live though every room has been redone so hoping that will swing it along with the fact there won't be a chain either.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
You are putting a lot of effort in - I am sure that will help.... Decluttering I found was the biggest thing that helps sell houses... We have always sold our house to the first couple of people that saw it - 3 times now... Putting the effort in at this stage really does make a lot of difference!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 -
Yeah I am decluttering too as I do each room. The house is pretty much empty lol. I have sent a load of stuff down the tip, sent anything of my exs to his house
and anything of mine that I want to keep but don't need is being moved into my parents double garage
I am even thinking of moving my dog out for a while as I don't want that "dog" smell you can get to put people off. I mean I don't think my house smells but I would imagine I am immune to it to a certain extent.
Would break my heart her going there but if it means the house sells quicker then its probably worth doing.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
I am allergic to most animals and have a very sensitive nose - I would smell dogs in almost any environment. We bought a house from someone that had a cat - I am sure we were plagued by fleas initially!! So altho parting company would be hard it may be a good decision.... There are plenty of people who do sells houses even with pets in them tho! Who would look after the dog (Ruby?) for you?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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