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A trilogy in seven parts.....hypno's latest efforts

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  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow, thats quick.
    Best of Scottish :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Walshyboy84
    Walshyboy84 Posts: 516 Forumite
    beanielou wrote: »
    Wow, thats quick.
    Best of Scottish :)


    Thank you m'dear! Longer hours, in dark dirty city, but I can't freaking wait! :D
    :beer: Debt Free since July 2011 and it feels good! :beer:

    Now it's all about finding a deposit for a house!

    How do you amass £70k in a year?! :eek:
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Well done walshy!!!!!

    I am knackered! Had to stay late from work and missed the bus, so started to walk.....thankfully, after an hour, someone who lives nearby happened to pass, so I got a lift for the last couple of miles. But I was walking in 3 inch heels and a straight skirt, so it wasn't exactly easy!

    But......and here's the good bit.....I preserved my NSD by not spending bus fare :j

    ATB, I use Grassroots but dont get much from them, TNS, Retail Eyes and GFK......They all have differing types of job, so it is worth signing up to more than one company.

    The tax aspect is easy to do - just put away a quarter of what you earn, keep a note of petrol, and expenses and away you go!
    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)
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    dscf6246.th.jpg
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    CLICK TO ENLARGE
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    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi hypno sounds like you are making great strides still. Glad you had a more "normal" weekend! Can't imagine walking an hour in killer heels either.... glad you got a lift in the end! You are so dedicated - I hope you give yourself a good holiday / break between getting debt free and tackling your mortgage....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That looks sooo pretty, Shaun.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Done a dooyoo review.....now better go and have something to eat......
    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)
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    lucielle :D
    hypno
    ouch ouch ouch to every mile,,,,,:A
    me i would have tel for a taxi ,,,,money or no money:o
    walshy :j:j:j:j:j:T
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    But getting a taxi would have ruined my NSD......and I would have had to declare it on my spending diary.......plus I didn't have enough in my purse for a cab.

    So, shanks' pony it was!

    savingholmes - no break between debt and mortgage because the MFiT challenge includes my secured loan, which is still part of my DFW journey, really......so no plans to let up just yet :o
    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)
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    But getting a taxi would have ruined my NSD...
    so is that dedication or cowardice:rotfl::rotfl::rotfl::rotfl::rotfl:
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
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