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Lucky's Diary
luckylukey
Posts: 291 Forumite
Yet another diary!!!!
Please ignore this one!
Basically, to cut a very long story short, I have about £12,000 of debt at the moment, excluding my mortgage. £6k on one cc and £6k on my overdraft. I managed to get debt free for a while, then bought a flat and had to buy things for the flat:rolleyes: .
I want to leave the UK for sunnier climates as I have been diagnosed with severe SAD and think it would be easier to move to a climate with more sun. I have worked out that I will need about £8k to move as I can live with relatives until I get a stable job.
So this diary is really to keep me on check and make sure that instead of spending money that I could be throwing at my debt on going out that I think of the bigger picture.
Please ignore this one!
Basically, to cut a very long story short, I have about £12,000 of debt at the moment, excluding my mortgage. £6k on one cc and £6k on my overdraft. I managed to get debt free for a while, then bought a flat and had to buy things for the flat:rolleyes: .
I want to leave the UK for sunnier climates as I have been diagnosed with severe SAD and think it would be easier to move to a climate with more sun. I have worked out that I will need about £8k to move as I can live with relatives until I get a stable job.
So this diary is really to keep me on check and make sure that instead of spending money that I could be throwing at my debt on going out that I think of the bigger picture.
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Comments
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I currently work for AQA but have been lazy in the last few months. I reckon I can make £200 a month to throw at the cc with this.
I have just listed 30 books with Amazon - see how that goes. I have literally hundreds of books. If I move country I will have to get rid of them, so may as well get rid of them now and make a wee bit of money to throw at the debt to boot.0 -
Go on then Lukey, make me jealous....where are you planning on going to?
Sorry, can't ignore you any longer
Official DFW Nerd Club - Member no: 203.0 -
Hi - Have you tried the £10 a day challenge and the cashback and survey sites?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 -
Am planning to move to Africa. Hopefully Mozambique. Gorgeous weather and diving all day. Would love to have some sort of diving lodge or failing that a little web shop selling african crafts! SHabby chic - african style!
I do pigsback , pureprofile and one mystery shop site (that only brings in about £10 every 2 months- maybe my demographics isnt what they want). Would love to do more sites but cant get my head around which sites to try! Any recommendations would be good. What's the £10 a day challenge?
Sold my first book on amazon for £3.05. Hopefully the p&p wont be too much!!0
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