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The 15k Paper Hat - It could be YOU!!!!!
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I'm good thanks. Bit tired, been busy, busy for awhile now.Don't seem to get any chill out time, though that's probably me just thinking I don't.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Hmmm, not 100% worked this out yet, but if I balance transfer up to my limit on CC and pay that off my s.loan, I should be able to pay s.loan off in a year'ish and then the credit card in another year'ish, making it almost possible still to try to get DF before my 33rd birthday. And even possibly still have a life.
Must look into it in more detail. This would all kick off in January so 2011 might be my last year in debt.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hmmm, not 100% worked this out yet, but if I balance transfer up to my limit on CC and pay that off my s.loan, I should be able to pay s.loan off in a year'ish and then the credit card in another year'ish, making it almost possible still to try to get DF before my 33rd birthday. And even possibly still have a life.
Must look into it in more detail. This would all kick off in January so 2011 might be my last year in debt.
THat would be wonderful! I hope it works out for youTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Still seems like a hell of a long time.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Still seems like a hell of a long time.
You will get there in the end though.
Just back from town. Spent a hell of a lot of money today between new things for the house and baby presents for 3 of my good friends who have had babies in the last month. I really need to reign it in, as I feel like I am losing control a bitTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
It is easy to let things get out of control. Try and get back on track and go from there CMD
Tirl - good luck with improving your DFD
Well first day in job went 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 29/7/250 -
Phew
tirl hun, every bit you pay is a step further away from where you were
CMD, reign it in lady, sort it before it gets bad (that is me being stern)
SH, :T to new job going well
My end? well not much going on but tomorrow is my last day in my current job :T :T£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Hi PAID best of luck for last day. Does that mean new job starts Wed?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 29/7/250 -
That means I have done my quarter of a year notice period :eek:£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Cheers hun
I start on Monday - I will be unemployed for a few days and November will be a lean, lean month because of the pay cut off dates (should recoup a bit in Nov pay though) so tightening that belt in anticipation£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0
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