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The Debt Free Birthday Club Challenge!

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Comments

  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    That's great news F_F. Congratulations! Hope you make it by your birthday.
    2019 fashion on a ration 0/66 coupons
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Thanks Jellie, your ticker is looking pretty healthy too!

    And well done f_f, I love it when you get under something-thousand, great milestone! I'm sure you will make your birthday deadline, you seem very focused.
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Cheers Shrimpy, saw your post on the 1 in 100 challenge too.
    I'm desperate to get to the end of the month and to do my update here.
    I'm even hoping to become debt free just after pay day so I might even be ahead of my birthday target!
    2019 fashion on a ration 0/66 coupons
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    *Jellie* I felt a bit like I was stalking you through the forum :o

    I only just got around to ordering a new cash card which probably won't be here this week so can't make any online payments on payday :eek:

    I will have to content myself with reading your end of the month post!

    Good luck!

    x
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    I am now debt free! :j
    Many thanks to all on this thread- I was only expecting to be debt free this September but this thread made me decide to aim for my birthday and now I've actually managed to do it a month and a half before my birthday.
    Cheers everyone :beer:
    I will still pop in and check up- just have to stay debt free now!!
    2019 fashion on a ration 0/66 coupons
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    *Jellie* wrote: »
    I am now debt free! :j
    Many thanks to all on this thread- I was only expecting to be debt free this September but this thread made me decide to aim for my birthday and now I've actually managed to do it a month and a half before my birthday.
    Cheers everyone :beer:
    I will still pop in and check up- just have to stay debt free now!!
    Hurrah!!!!!!!!!!!
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    *Jellie* wrote: »
    I am now debt free! :j
    Many thanks to all on this thread- I was only expecting to be debt free this September but this thread made me decide to aim for my birthday and now I've actually managed to do it a month and a half before my birthday.
    Cheers everyone :beer:
    I will still pop in and check up- just have to stay debt free now!!

    Yay! A big :T and an even bigger :j:j
    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    really well done jellie
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Thanks everyone- am looking forward to buying myself a little celebratory treat today!!
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well I used the last of my isa to pay off some more debt so now down to £11940
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
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