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

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Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Just got paid rent by my tenant so have paid £200 of it off my credit card. Can't wait to clear my credit card. Am hoping by the end of November will have it paid off. Then just the loan :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good news on the extra payments guys

    How is everything else going?

    I am still doing okay
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hey SavingH,

    How's you? Just read on your thread about your son. He sounds like a little star!

    When do you start work? Just waiting til the end of Oct for OH's first pay packet to come through. He also has a payment from the part-time work he did and also a payment from back tax. It is taking so long to come through - I am so impatient. I want the credit card gone so we can save for when the baby arrives :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My son is absolutely gorgeous. My DD is too but in a different way as she is only 6 so less opportunities to star in the "acts of service" stakes. (One of the Five love languages in a book of the same name!) Today she was really happy and excited eating her tea with her daddy - she was a pleasure to watch - and a sign we were doing something right!

    I start work a week on Monday. They have agreed I can go in an hour and half late on my first day which is nice as generally first days are exhausting! I am pleased too as originally I thought the job would start the end of october - so that is 2 weeks extra money this month (not sure when I will actually get it but never mind) Fab!

    When are you moving cmd?
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    My son is absolutely gorgeous. My DD is too but in a different way as she is only 6 so less opportunities to star in the "acts of service" stakes. (One of the Five love languages in a book of the same name!) Today she was really happy and excited eating her tea with her daddy - she was a pleasure to watch - and a sign we were doing something right!

    I start work a week on Monday. They have agreed I can go in an hour and half late on my first day which is nice as generally first days are exhausting! I am pleased too as originally I thought the job would start the end of october - so that is 2 weeks extra money this month (not sure when I will actually get it but never mind) Fab!

    When are you moving cmd?


    The job sound very flexible :)

    We are getting the keys on the 17th (Sat week) and hoping to move Monday week so everything is moving very quickly. I have packed (no moving heavy things for me) 6 boxes and am so proud of myself but there are many more boxes to go! OH is really busy with work tonight but has assured me that he will be on board properly from tomorrow onwards. I hope so cos I think his head is in the clouds with this move!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sounds good - hope the move goes well - will you be offline for a bit when you move?
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    sounds good - hope the move goes well - will you be offline for a bit when you move?

    I won't have broadband but I have a work dongle so will be able to come online via that. Won't be able to order broadband until I get my new phone number, which is the 23rd Oct. Fingers crossed no delays - there always is with BT!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well at least if you can still get on from work that is good - don't want you to be away from us too long.
    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!
    Hiya all!

    Just making my presence known. ;)

    Oh, so jealous about everyone moving... Yesterday when I came home, my flatmate said he'd taken my clothes out of the tumble dryer as he needed it, I asked if they were dry and he said that they felt dry. Got down to kitchen and my clothes were on the kitchen floor (on a plastic bag mind you) in the midst of everyone cooking and walking over them! And when I got my hands on them, they were still totally damp! :mad::mad::mad: It wasn't even like I was hogging the tumble dryer as I'd only put them in the night before and obviously hadn't had time to do much else as just coming back from work!!!! I want to move!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
    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!
    tirlittan wrote: »
    Hiya all!

    Just making my presence known. ;)

    Oh, so jealous about everyone moving... Yesterday when I came home, my flatmate said he'd taken my clothes out of the tumble dryer as he needed it, I asked if they were dry and he said that they felt dry. Got down to kitchen and my clothes were on the kitchen floor (on a plastic bag mind you) in the midst of everyone cooking and walking over them! And when I got my hands on them, they were still totally damp! :mad::mad::mad: It wasn't even like I was hogging the tumble dryer as I'd only put them in the night before and obviously hadn't had time to do much else as just coming back from work!!!! I want to move!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    Can you move to another house share? That might help things
    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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