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£77,366.35 reasons to be debt free!

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Comments

  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Me too, he as now decided it might not be loads of fun to go to a dinosaur park after all :rotfl:
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • Ha ha! We are off to a dinosaur park in half term too!
  • IMD

    Thanks for your post to my diary. And well done on overcoming your wibble. I bought something else this morning! An Edina Ronay merino wool cardigan in TK Maxx for £12, in a very nice greige-y colour. But it's come out of my weekly £30 personal spends so that's OK. And it is rather lovely - am trying to upgrade wardrobe on a budget to the kind of better quality items feel someone of my age should have! And none of it's gone on credit card as have not used any since August 08. V pleased.

    Just off to do some ebay photos as want to up the ante on my debt this month and get over £500 repaid - £464 so far, so a few ebays might see me crash through that barrier.

    Have a great w/e and enjoy the time spent with your boy - 2 of mine are in grunt phase now! But they are lovely too.

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • hr100
    hr100 Posts: 153 Forumite
    Just been reading your diary and just wanted to say well done and keep going :)
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Hello and thank you hr100.

    Mrs R - that's brilliant on the ebay. All the money I made just got us through the month and no ebay to fall back on this month, just good common sense apparently......

    Now sat with kiddies watching X Factor - having lovely lazy day :)
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Evening to anyone who's out there......

    Reporting for duty. Terribly day yesterday moneywise. Both me and OH were doing things which cost money :eek: but we knew it was going to happen, still in budget and have got to be exceptionally well behaved for the rest of the week :)

    Thankfully resolved ebay situation and relisting item to get back the overdraft buffer. Also been offered a small bonus at work which I will put into the overdraft as I don't like teetering so close to it every month as the charges just aren't worth it if I overtip - and I don't want to touch a CC to pay for anything extra. Have just realised that I actually haven't used a credit card now since August :j:j and therefore my debt has most definately gone down!

    Off to watch Blue Murder now, I do wish those two would snog :p
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Well done on not using the card since August - a definite step in the right direction!!
    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)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hypno06 wrote: »
    Well done on not using the card since August - a definite step in the right direction!!
    congratulations from me too!:T:T:T
    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
  • Hi IMD, Whats happening with you these days, any updates?
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How is it going?
    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
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