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Cakeys debt free diary. Day 1, OH's wardrobe :)
Comments
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well done on getting your PPI back! And good luck with an MSE wedding - it can be done!2010 Cost of Living Challenge - £901/£5300 * Grocery challenge - £117.91/£120 *Total Debt- [STRIKE]£6388.74[/STRIKE] £5995.66 :eek:Debt Free Reward Pot £11 * Overdraft vs 100 days £363.76/£800 *Feb NSD's 8/120
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so its been a while since i last updated everyone, not really much to report. Went to a wedding fair last night to look at a few bits and bobs at our venue. turned into a bit of a mare. ended up having a barny with the OH about wedding cars. that was about 6pm last night and we haven't spoken since. It's been bliss
.. hope he never reads this or there won't be a wedding
i have done a few more surveys, up to about £ 20 now whoot whoo. Also sold some stuff on ebay, so thats another £100 to the pot. Roll on the weekend STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
i have an update!!!!!! just recieved my pay slip and my commision came through this month. i normally take home 1460 ish, and i got 6999 after tax!!! goodbye EGG and Virgin... Total cleared this month after PPI and commision 7559. on a downside, npower sent me a final reminder yesterday for an address 6 months ago saying i hadnt cleared the electricity! im 80 down now, 7K up, all going on debt STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
wish i got a payslip like that, congratulations at being able to pay off such a large amount it must feel fab! even better when you're able to amend your signature. (sad to say i really look forward to changing my signature each month)0
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i wont often get pay packets like that, and the old me would have spent it! but the whole lot is going on debt. i just calculated where we were jan 09, £47K, we are now at £32 yey! OH is driving me mad though. i cleared his OD on an old bank account, only to find he had used the card after i cleared it to buy stock for his company. 2 steps forward, 3 back
STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
thats £32K not £32 STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
well done on your commission.:T Great to see your progress this month - absolutely fab!:jWell done on being disciplined and paying more off debt :T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:TAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
It has finally arrived, payday!!!!! and first thing i did was clear Egg and Virgin!!!! Whoop Whoo, signiture is about to be updated!!!!!! feeling good today STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000 -
Well done cakey - always nice to clear a couple of cards!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
thank you, got a very nice suprise last night. my dad popped round (i say popped, he actually lives 70 miles), so he popped in and handed me and the OH 2K to go towards our wedding saves it's gone straight into a savings account. bless his cotton socks.
i have also made another 100 on ebay and a further 30 on surveys whoop whoo! STARTING BALANCE JAN 09 £47,400
Debt left 24th December 2010 - 13611!!!!!:j
Update may 2013 - debt left £8000
Update oct 2014 - £25000
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