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

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  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    CAFCGirl wrote: »
    ok maybe i was a bit off the mark LOL June baby :rotfl:
    Am doing slightly better, food is staying down but i still feel so sick all the time. am hoping it starts to wear off soon:o

    :T congratulations. i know how much this means to you. fingers crossed for you. how far are you now then??
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well done Starnac!

    Is that you debt free now? If so you should put yourself up on the debt free roll of honour!

    no not quite. got the car loan to pay off first but it feels like i'm nearly there now we have a bit of spare cash out of my pay now. although it's all going to savings it feels a lot more positive than to have to put it towards the o/d's. we're hoping if we can get a bit of a chunk of money saved we can offer the car loan less than what we owe rather than throwing spare money at it now and ending up paying it all off when we could have had a bit knocked off for a lump sum. that's the plan anyway
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    starnac wrote: »
    no not quite. got the car loan to pay off first but it feels like i'm nearly there now we have a bit of spare cash out of my pay now. although it's all going to savings it feels a lot more positive than to have to put it towards the o/d's. we're hoping if we can get a bit of a chunk of money saved we can offer the car loan less than what we owe rather than throwing spare money at it now and ending up paying it all off when we could have had a bit knocked off for a lump sum. that's the plan anyway

    Good for you, the plans all sound realistic :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Congratulations CAFCGirl! Hoping all goes well for you. x

    starnac - sounds like you've got it all sorted.

    Well the car boot sale only netted me 20 pounds today, but that's better than nothing, and it was really enjoyable in the end! We had such a laugh and I got rid of some stuff I would have just thrown out otherwise. :j
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well snow white sounds like you are doing fab

    cmd well done on the other payment

    starnac sounds like you are doing really well
    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
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    starnac sounds like you are doing really well

    i feel so much better now my o/d has gone. it feels like i'm actually getting somewhere.

    how's everyone else doing??

    snow white -well done on the car boot. £20 is better than nothing.
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    You're doing really well starnac.

    I had a nice weekend. Went to the beach on Saturday and then out with my bf and his friend. Came back home about 4am, not been out like that for awhile. Sunday was bit of a wasted day though, but chilling out is good as well. :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    morning all. how are we all on this very wet tuesday morning? we've been up most of the night with DD again. she's got a cough and is feeling very sorry for herself. although last night she woke up crying and when we asked her what was wrong she said her hand hurt so we think she may have had pins and needles. is it wrong for me to want her to be able to talk a bit more so she can tell exactly what's wrong instead of us having to guess?

    i'll have a bit of peace and quiet later though as DH is in work and DD is off to nursery this afternoon so 2 1/2 hours of quiet. wow!! i've got a big list of things to do though. no rest for the wicked.
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DD feels better soon

    Tirl - are you feeling better about life again. You sounded down last week?

    I'm okay. Nothing much to report at the mo as still surviving on savings until end Nov when should get first pay cheque. Have paid all the usual payments but being charged a bit of interest at the mo so not sure of new figures... Will post soon.
    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!
    I'm ok thanks SH. It seems to be up and down at the moment with me. Work has been extremely boring and my motivation is pretty low. I find it difficult when you can't actually do much to help your situation. 10 days to pay day and I have £9.20 left for food. I do have some extra money so I won't go on my od, but don't really want to use the extra money...
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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