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£77,366.35 reasons to be debt free!

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Comments

  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    hehehe i love wispas at the moment :D yumm,y
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • ramblingtree
    ramblingtree Posts: 287 Forumite
    I have a German colleague who keeps bringing in Ritter Sport bars. They are sooooooo tasty, I could eat them all without sharing!
    Went to the gym this evening, does that mean I can eat as much chocolate as I possibly can?!
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I've done a big long run but I am resisting chocolate for tonight - until you lot made me think about it and in particular Wispa Gold - have made some cakes but they are healthy ones and don't come close to Wispas!

    Stop it!
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    licks her lips quietly and dreams of chocolate!

    Watching the children in need programme at the mo - do they make it around the world in 80 days?
    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 10/10/25
  • ramblingtree
    ramblingtree Posts: 287 Forumite
    oooo, but homemade cakes (even healthy ones) beat chocolate bars every time!!! All warm and lush. Send one over!!
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Would you like a cup of tea as well RT? :)
    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
  • ramblingtree
    ramblingtree Posts: 287 Forumite
    ahhh, if you wouldn't mind, that'd be lovely! teehee.:p
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    yes il have a cake too, i always go to my friends for dinner shes always baking yummy foods i swear thats why we have put weight on i need to get excersise friendly lol x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • ramblingtree
    ramblingtree Posts: 287 Forumite
    But I thought food that other people gave you was calorie free? Maybe thats where I've been going wrong all this time...:rotfl:
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Enough about food...............I've just eaten chocolate :eek::eek::eek: but I did do the gym at lunchtime so don't feel toooo guilty but OH has brought me 5 bars back from shop :eek::eek::eek::eek:

    Much much better day today, decided to front individual making my working life hell and it was the best thing i could have done. Had a long, honest and frank discussion, apology received and we are friends again, and hope we can put it behind us (fingers crossed).

    Only spent money on a bit of food and apart from that nothing so am fairly pleased with myself. Need to sort out my 0% deals tomorrow night, will add it to my to do list.

    Off to bed now with my five bars of chocolate :EasterBun:EasterBun:EasterBun:EasterBun:EasterBun:shhh:
    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
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