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Fresh start....
Comments
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Motivating post for myself......for those debts I have up to date balances, my debt has gone down by a massive......
£6006.23 :j:j:j:j:j:j:j:j:j:j:j:j:j:j
I'm a very happy bunny and know that the total amount it's gone down by is more but don't want to add it in yet until I know the true balances which shouldn't be too long given I have written to them.
I'm SO happy
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Good news about the Halifax!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 -
Celebration time I think!
That is some achievement. Celebrate with a walk round the block? Killing two birds with one stone - a DFW gesture to say well done on the debt busting - nice walk will keep you away from the bubbly!** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
Notice a change in my sig???? Another 2hr and 45mins added to my overtime total.....:j:j
Just finished so thought I would quickly post. Off for some chill out time and food....i'm marvin
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omg karen
thats loads paid off.... you are really steaming ahead.
good for you - i know how hard it is to keep on the straight and narrow road of repayment! i think i have fallen off a bit... ooppps better get back on the road!!!
have a great evening and put ur feet up - you have earned it!
mrscmrHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Another well done.
What I would give, just to have a job at all. I'd give my debt away! LOL.
Like you, I am so hungry I could stuff my face. Off to raid the freezer. Burger and chips I think. Makes me feel about 14 again. That is 14yrs old and not stone. Though the rate I am eating it wont be long..... hmmmm food food food.** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010 = £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
:j As soon as I started reading through I noticed the overtime update :T you are almost half way there now!
Well done on the excersise, I also weighed myself today and could have cried, I don't know how tall you are Karen but lets just say I weight considerably more than you and am not looking forward to holiday pics ah well!
That's a huge chunk you have paid off there and it's nice to hear you so happy and motivated! Well done on the free scratchcard money....woohoo we are getting there :beer:
Very happily married on 10th April 2013
Spero Meliora
Trying to find a cure for Maldivesitis :rotfl:
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hi and morning to you karen.
just reading back on some of ur posts... i wish i was 10st, or even 11 st or even 12 stone - but im just a tiny bit over 13st.
the diet weightloss thing is a real challenge - not really sure im up for that yet - still facing up to the ironing challenge.
hope you have a good and lovely day
mrscmrxxHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Morning all,
What a lovely sunny day, or it is where I am!
Thank you all for your posts yesterday, sorry I haven't had time to reply as such but after work last night I just chilled out. I think my brain was fried!!
No overtime tonight but in some ways I am glad as don't think I could manage another night working. So plan on going for a long run to get outside instead.
No big aims for today, hopefully a NSD. Get through a days work and stick to the exercise and eating healthy.
mrscmr - how's that ironing coming along :rotfl:I'd come and do it as sadly I find ironing relaxing......I think I am strange
jtr2803 - you still have a while til your hols....i'll sent you a PM later with a few ideas that have worked for me.
GG - burger and chips......mmmmmmmmm.........yum yum. I like the idea of giving away the debt :rotfl:I wonder if that is possible????? :rotfl:
Will pop back later, best get on and do some work.
Take care,
K xx0 -
Hi Karen hope you have a really productive day and manage to stick to your NSD! bye for nowAchieve 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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