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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'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!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    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!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    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 you :)
    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!
    Still seems like a hell of a long time.
    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: »
    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 bit :(
    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
    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 29/7/25
  • 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)
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • 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)
  • poorandindenial
    poorandindenial Posts: 4,097 Forumite
    edited 19 October 2009 at 9:26PM
    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)
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