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The 15k Paper Hat - It could be YOU!!!!!

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I'd move in with my bf and could afford it, but he's not ready. He's got his own place, has no other debts except mortgage and has much better salary than I do.

    I've lived in ex's lovely house before and when going to uni. Then on my own, and then sharing, so it's been quite strange. When I moved to Cardiff, I didn't know anyone here, so sharing was actually really nice. Now I'd just like to live on my own or with bf, but the best I can probably do next year, is to move in with a shared house with less people.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Evening Ladies I have so lost touch with you all and want to come back............please.

    Any chance you could all give me a quick update on you so I can catch up :p
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Doodles

    I am working again in a temp job not the right money and too far away but at least its money. This is my 5th week. OH got GIVEN a BMW motorbike - 10 year old but it is still worth quite a bit - this weekend!!! Kids are fine. 2 of my sisters have got married - went to one wedding but not the other.... Debt free date has gone back quite a way - now aiming for about 16 months or so time!
    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
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Evening SH, fab news about the job, although not ideal a jobs a job :D. Wow how did he manage to get given a bike, is he keeping it or do you get to sell it??
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doodledo wrote: »
    Evening SH, fab news about the job, although not ideal a jobs a job :D. Wow how did he manage to get given a bike, is he keeping it or do you get to sell it??
    My OH works for a charity and they were having a fundraiser day and some of their doners were invited! He took a group round on a tour and a couple had come down by motorbike so as he has one they started chatting. They had bought a newer one and had an "old" one sat on the drive - doing nothing - did he want it? He snatched their little hands off and we got it this weekend. All kosher and above board - legal ownership docs changed hands etc:j:j:j

    We will keep it as currently only have 1 car which I use and a motorbike which he uses. His motorbike was literally at the end of its life so he's thrilled to bits - especially as this one has heated seats and handlebars! It's always been his dream to have one like that so to be given one - no strings attached is absolutely amazing! I wouldn't get in the way of that - not when it was free! We are not able to run 2 cars at the mo - but this is a significant step up from his other bike which looks like a toy in comparison!

    Looks a bit like this
    01113041@BMW-K1200-LT-2006-mo.jpg

    His "new" motorbike is probably now worth more than my car!:rotfl:Now that is what you call a freebie !! And definitely good luck. Do you think I can post it on the £10 a day challenge :rotfl:
    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
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Wow that is some freebie. I bet he loves it, like Christmas come early :T
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doodledo wrote: »
    Wow that is some freebie. I bet he loves it, like Christmas come early :T
    Totally! It really is like xmas come early -:j:j:j he still can't believe it - and for people who know our situation this year it has been a talking point everywhere he has gone with it.

    The only problem has been we've had to pay an extra £350 ish on insurance.... Price we are willing to pay somehow!:rotfl:It's taxed and mot'd until next summer too - amazing!:T There really are good, generous people left in this world.

    If you knew all the carp we've gone thro this year...... for this to happen now is such an amazing turn around!:D Feels like God is on our side again ;)
    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
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Good things happen to good people, you both deserve it x
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks doodles
    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
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Morning all.

    That is such fab news about the bike. And well deserved.

    I'm finally in process of selling my old mobile phone. Did online this morning so waiting for the 'welcome' pack to arrive in the next couple of days.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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