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Lunar has a house and lots of shiny new debt to get rid of!

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Comments

  • lunar
    lunar Posts: 1,805 Forumite
    Part of the Furniture Combo Breaker
    Almost 2 months since I posted on here! The debt is steadly coming down but it could be quicker. I have been buying bits for the house and we have been eating out again. All the christmas shopping is done now and I have all the food and drinks in except the fresh things.

    Thanks to MSE this will be my third christmas where I am not paying for everything on credit.
    DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000
    MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!
  • lunar
    lunar Posts: 1,805 Forumite
    Part of the Furniture Combo Breaker
    Panda, where have you got to? I think we need an update after the conservatory!

    Savingholmes, thanks for continuing to give me a kick on here!

    Hayley, where did that year go? I cant believe it went so fast!
    DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000
    MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Nice to see you Lunar - is bubs 1 now, that seems to have flown!

    Hope everyone is well and this will be our 3rd fully paid for Christmas too - so nice not to panic in January when all the bills come in!

    Well done on getting your loans to 0%, you will be debt free before you know it! x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    This will be my second mse xmas too - aren't they different LOL! I need to find out when the Asda savings card thing is too - as I got some extra dosh last year thro that too!
    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
  • lunar
    lunar Posts: 1,805 Forumite
    Part of the Furniture Combo Breaker
    All change in our house again! I am in complete shock as we spent thousands in fertility treatment to have our son. Just found out today that I am 5 weeks pregnant! We are so happy right now, its very MSE too as we were planning on needing at least £3000 next year to try again.
    DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000
    MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats Lunar that is absolutely fab news:j:T:j:T:j:T:j:T:j
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    That is amazing news!! The same has happened to friends of ours - their first with IVF after 10 years trying, then 6 years on, after surviving cancer and now being in her mid 40s she fell pregnant naturally, baby due any time now!

    Although another friend adopted two babies in a couple of years, as she tried everything, IVF the lot, then just as they brought home the second adopted baby, she fell pregnant with twins :eek:

    Look after yourself xx
    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)
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Congratulations Lunar, I am soooo pleased for you x x x x x x

    That news has made my night! xx
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • SazM030306
    SazM030306 Posts: 1,317 Forumite
    Congratulations!!!!!!!!!!!!! Fantastic news :) xxx
    :heart2: THANK YOU MARTIN!! :heart2:
  • lunar
    lunar Posts: 1,805 Forumite
    Part of the Furniture Combo Breaker
    Thank you for all the congratulations. Its really sinking in now as the sickness has hit big time. I am so happy to have finished the christmas shopping a while ago as I couldnt face it now!
    DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000
    MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!
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