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Impatient Londongirl's diary - need to clear my debts!!
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well done for making a start... try keeping a spending diaryto see where your money is going http://www.spendingdiary.com/ (its free and private) you can crack this... when I joined a year ago I thought it was impossible but I have made so much progress over the last year it is unrealAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/260 -
Ye I would agree with Fire Fox, im pretty sure the PayDay Loan thingys have really high - https://www.paydayuk.co.uk/pages/our-charges.html theres an example but if you are with a different firm it might be slightly higher or lower but that is still REALLY high.0
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