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

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  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I stooze in between 0% deals... Unfortunately my next card deal runs out Jan so need to try and find oodles of dosh to pay off it by then as can only balance transfer some of it (easily)
    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
  • I stooze in between 0% deals... Unfortunately my next card deal runs out Jan so need to try and find oodles of dosh to pay off it by then as can only balance transfer some of it (easily)

    Ooh another stoozer! I can't wait to pay off this credit card and be a proper one!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh another stoozer! I can't wait to pay off this credit card and be a proper one!
    I agree how good will it be!:j
    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
  • Hello, just checking in, so busy at the moment.

    Hope everyone is OK and finding lots of Xmas bargains around, have got quite a few presents for my girls half price or on offer.

    Looking forward to the new year and getting back to debt busting.
    Sealed Pot Challenge #016
  • Hello, hello, hello

    Just checking in to say my day of pay has come - yippeeeeeeee

    I have made £1400 payments over and above my minimums :T unfortunately they are going towards debt that isn't included in my totals or PH challenge :( (new 0% holiday debt)

    So, how is everyone's Satuirday going?
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    only just out of bed......

    very bad cramping on right side, having to stay bent over... not fun
    Wealth is not measured by currency
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Morning one and all. Happy saturday and payday :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
  • Happy Saturday everyone!

    Toomuch - glad you are getting Xmas bargains!

    I have gotten quite a few bargains in Boots at their events nights! On Thursday I got my Dad's xmas present and my sisters birthday present, as well as a present for a friend who had a baby. All were bargains! Then with my Boots points I had saved up I bought an electric bottle sterliser, nappies, disposable wipes (eco - lol!) and things like disposable underwear etc for the hospital. I was thrilled to be able to get so much. Does anyone know how long a baby stays in newborn nappies? I want to get cloth ones as well but want to mix and match so I am not under pressure at the beginning! I doubt my baby will be too much over 8lbs (judging by bump) although I was measuring a week ahead yesterday when I went to the midwife :)

    PAID - well done on the extra payments. That is a serious amount to overpay. I also have holiday debts that I am not including in this challenge so I need to focus on paying some of that off as well!

    CAFC - hope you are feeling okay now. Might be an idea to ring NHS Direct to see what they say. I got horrible round ligament pains at 20 weeks and had to go to the GP to get it checked out but it was grand.

    Good morning and happy payday to you Doodles!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    CMD well done on the bargains.

    Its a long while since I had a newborn but Hannah was in newborn nappies for a good few months and she was a big girl. You get through so many of them that even if you have stockpiled quite a lot you should easily use them all to be honest.

    Soooooooooo exciting having two little baby bumps on our thread :D
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • doodledo wrote: »
    CMD well done on the bargains.

    Its a long while since I had a newborn but Hannah was in newborn nappies for a good few months and she was a big girl. You get through so many of them that even if you have stockpiled quite a lot you should easily use them all to be honest.

    Soooooooooo exciting having two little baby bumps on our thread :D

    Thanks Doodles! Will start to stockpile quite a few then :) I want to have as much gotten before the birth as possible. The last thing I want is to run out of nappies when the baby is a few days old!My friends were telling me how many nappy changes you need to do per day. I was shocked. They are stinky little things aren't they!

    What was Hannah's weight?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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