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£77,366.35 reasons to be debt free!

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Comments

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    prepurchased on bb earlier but didn't win.

    Good luck with those scary figures imd - and well done on your journey so far
    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
  • ramblingtree
    ramblingtree Posts: 287 Forumite
    Ending the year in less debt than when you started this. So its all good! Any reduction is an achievement. Bring on 2010!!!!!
    And please send over a mince pie, I'm hungry! :p
    x
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Hi your thoughts seem to echo mine! Christmas all done and looking forward not back! 2010 will continue "beating the debt" dec very hard as expensive time but i think we have to keep it real and just go with it control it as much as we can but dont get to strung out about it!!!xxxxxxxx
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    Hey, i can not believe how soon xmas has a rrived i need to buyt presents ive been so busy with work, oh has been wbusy making extra pennies where to flaming begin grrrrr.... luckily my family have agreed on no presents exchange this year :D phew so that saves a bundle :P i thought xmas was about family time now it seems to be about giftingbig expenses boo hoo heres to 2010 been an explosive year of reduction on debts :P now can i have a mince pie :Px
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Warm mince pies and double cream waiting for anyone who wants one :xmassmile

    Back from a very hectic day. Had an 8am run with the dogs - the dog bit was a huuggggeeee mistake - makes life far too complicated, next time will just take the ipod! Came home very wet but did just over 5 miles so was quite pleased.

    Then went out with OH work, did lots of things, bit stressed, thinking "how much was that", "why are you buying all the drinks":eek::eek::eek: and then it was declared they were putting it all on expenses :j:j:j I then proceeded to drink much more mulled wine :D

    So effectively we have had a free family day out - they were all lovely as well and brilliant with the kids so I'm glad we went.

    Now chilling out and catching up on here and then book and a bath and a warm mince pie!
    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
    Sounds like a fabulous day!!!

    Now, about these mince pies.........:D
    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)
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Mince pies are sat here waiting for you


    istockphoto_7833958-mince-pies-cream.jpg

    No win on BB :(
    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
    yummmmmm

    No wins for me either :rolleyes:
    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)
  • lucielle
    lucielle Posts: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I want onnnnneeeeeeee! Now
    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
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Mmm...first of the year...no cream for me please! :)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
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