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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
    hi cmd - sounds rather frustrating
    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 cmd - sounds rather frustrating

    We have sorted it out now and had a lovely day yesterday. OH has agreed to be more proactive and help me with things rather than moaning!

    Hope everyone is well on this very wet day :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Morning all.

    Nice and sunny in Cardiff CMD. And glad you've managed to sort your disagreement.

    No news yet about my car. Took it up to Herefordshire at the weekend and the garage there is having a look at it this week. When I gave my list to my friend and he relayed it to the garage, they said it should be about half what I was quoted so fingers crossed, it could still be fixed.

    Had a really nice day on Saturday, my other friend goes hacking with this horse now and again and I went with her on her mountain bike, it's lush, £1500 bianchi. Only did 5 miles but it was really good fun. Also managed to see couple of other friends so all in all, quite successful outing. Train back was bit of a nightmare though. Supposed to take about an hour, and go outside Cardiff in time, then stopped because of signalling problems at Cardiff Central, and waited, just outside Cardiff mind, for another hour!!! Was not best pleased I tell you.

    Anyway, quite tired and bit tight after yesterdays matches, and yes, we lost both of our games, again! :( Seems to be the story of our team... So frustrating though.

    Also, got £5 from scratchie yesterday, but then couldn't withdraw. Will try again when I get back home, otherwise I have to ring customer services. Close to £10 withdrawal from Virgin as well.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Any news on the car yet Tirlittan?

    Just paid £400 off credit cards. Only £200 is reflected in my sig as I had to pay £200 off my credit card used on hols and that isn't included in my overall sig :(

    I have other bits and pieces coming into my account during the month so I have decided to pay 1/2 off the virgin card and 1/2 off the holiday card. I need to see some money coming off my sig to motivate me.

    I have nearly all of OH's xmas presents now and just have OH's Dad, my Mum and a few fiddly bits and I will be done!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • My routine payments went out today but they haven't reached my loan accounts yet. Gah - oh the start of the month waiting game.....
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • Any news on the car yet Tirlittan?

    Just paid £400 off credit cards. Only £200 is reflected in my sig as I had to pay £200 off my credit card used on hols and that isn't included in my overall sig :(

    I feel your pain, all of the £1400 that I paid off the other day went into the same black hole :( (although like all of my black cash holes it was entirley created by me :rolleyes: and I will have LOVELY holidays as a result :D)
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • I feel your pain, all of the £1400 that I paid off the other day went into the same black hole :( (although like all of my black cash holes it was entirley created by me :rolleyes: and I will have LOVELY holidays as a result :D)

    True - at least we are having the nice holidays :)

    Hope you are well.
    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
    Well done on the payments

    CMD glad things got sorted with your Oh soon

    Tirl - hope you find your winning streak

    I didn't get paid on time so have to wait another week until I can do any debt busting!
    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
  • what a pain sh, will you have to wait for the next pay run or will they do you a BACS transfer in the interim?
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • True - at least we are having the nice holidays :)

    Hope you are well.

    I am good cheers hun, how is bump doing?

    I should probably have said before that my big overpay this month was because I had over a month's pay as my first salary payment in my new job - the amount was lovely to get though a fair chunk of it went on the credit card buffer that I used because my last month from my old job was a short month - sob. No interest though so same difference sort of. (sadly the hols on the other 0% credit card will clobber me for a bit longer)
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
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