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

194959799100190

Comments

  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hoping tomorrow will be nice, planning to go for a nice walk. Tonight I'll go to bf's and Sunday we have a match at home. What's everyone else's plans for the weekend?
    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!
    Hi all!

    I'm going to Australia tomorrow!!!

    Sorry couldn't resist. Just need to see some sunshine and to have some relaxation!
    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
    wow cmd! Enjoy!
    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!
    wow cmd! Enjoy!

    Thanks SavingH,

    Can't wait to go now and we are just doing the end of the packing and making sure the house is clean before we head. I once went off on hols and left a dirty house and it was a nightmare when I came back!
    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
    Your sig is doing really well too! 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!
    Your sig is doing really well too! CMD

    It is looking good but unfortunately I am using another credit card for Australia and what with having to buy lots of maternity stuff (swimsuit, proper pj's) it has risen quite sharply. I am going to use my AQA earnings to pay it off though so hopefully it will be gone down by the time 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
    Well I have just recalculated my debts

    When I joined the challenge 17 Oct 08 I had £19300 of debt and £1.5K stoozing

    I now have £10951 of that original debt plus £4K for a car and I still have those savings

    So my revised paperhat figure after almost 6 months unemployed and interest and transfer fees for tarting cards is £8349 excluding the car. I'm going to therefore amend my sig downwards to reflect that and go from there!

    We are effectively still living on my previous savings which are currently sitting in my bank account and not in the saving figure above to last until end Nov or mid Dec if it has to! So we are still doing pretty good and I am quite pleased I think!
    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
  • I have recalculated and updated my siggy too! Not spectacular, that will be a while away, but progress nonetheless...

    sh - you aren't just doing good, I think you are doing brilliantly

    CAFC - I hope you have gone quiet because you have gone to get checked out and that everything is OK

    Tirl - happy slightly belated birthday

    CMD - have an amazing holiday
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    sorry all....

    bleeding has stopped. epu think it may just have been my cyst that i have bursting.should get a call about a scan next week.

    we were travelling yesterday up north hence why i went quiet, got news to post later as well :)
    Wealth is not measured by currency
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    good news that the bleeding has stopped. we were all worried.

    so what's the news then?? *holds breath in anticipation*
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
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