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The Debt Free Birthday Club Challenge!

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Comments

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    blimey, I miss this thread for a few days and we have babies appearing and all sorts!!

    Only little payments for me recently - the odd £10 here and there, but it is all heading in the right direction......so that means I am still heading towards being 40 :cool:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hypno06 wrote: »
    so that means I am still heading towards being 40 :cool:
    You and me both! :rolleyes:At least you are still on track - I need a major miracle to hit my date!:eek:
    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 10/10/25
  • nickynoo08
    nickynoo08 Posts: 1,860 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Not been on much over last few days so just a quick update from me, got some good news yesterday wtc have been underpaying me - plus my monthly payments may also be going up - and they have just put lump sum in my bank:j, so i'll be going into town to pay £370 extra off my loan. That means when i make next months payment i should be under 6k:D
    £387.39/£196.46
    Pay my debt by End of Feb 2022
    49.28% paid!

    £199.55/£500 savings by End of April 2022
    39.91% saved!

    Make £2022 in 2022 - £20
  • Silaqui
    Silaqui Posts: 2,778 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Enjoy the footy FF - hope the toon win!!

    x
    Ths signature is out of date because I'm too lazy to update it... :o
  • paybacktime2008
    paybacktime2008 Posts: 1,208 Forumite
    Hi all. 2 new statements in Barclaycard and Virgin. So sig updated. Seriously need to sort out the virgin card as 0% period has come to an end. Come monday I can pay off Barclaycard and then hopefuly ring up and see what they can offer me for a BT to transfer Virgin over to them.
    LBM 10/08 £12510.74/
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Silaqui wrote: »
    Enjoy the footy FF - hope the toon win!!

    x
    I really hope so too.

    *crosses fingers and toes*
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Paid off Lloyds loan today and am :D:D:D:D:D! Don't think I've ever been this happy to part with £600! And managed to convince OH to get his internet banking sorted so I too will be spending a happy afternoon making yet another pretty coloured spreadsheet - yay!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • paybacktime2008
    paybacktime2008 Posts: 1,208 Forumite
    Well chuffed. Rang Barclaycard and they will give me a lob transfer at 6.8%.........Soon be saying bye bye to Virgin. Wahey!
    LBM 10/08 £12510.74/
  • Silaqui
    Silaqui Posts: 2,778 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh dear poor FF. I imagine the conversation will not be very good on their way home... Still they may get to play the mighty Leicester City next season!

    x
    Ths signature is out of date because I'm too lazy to update it... :o
  • EverTheOptimist
    EverTheOptimist Posts: 2,695 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hey guys

    Haven't been here for a while but have been PaDing away.

    Had originally set my DF date as April 2010, thanks to the PaDing have been slowly knocking it down.

    Am now looking at being DF by mid Dec 2009. which will actually mean i'm DF before my next birthday, if i can bring it forward by another month i can be DF before my honeymoon. :j So really chuffed with that. And cut the CC up a while ago, so can't add to the debt. :j

    Hope everyone is well.

    ETO
    SPC 18 Target £200 /
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