Cocktails and Dreams - striving towards debt free days

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  • savingholmes
    savingholmes Posts: 27,544 Forumite
    Name Dropper First Anniversary Photogenic First Post
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    hope new job goes well - it will be great to have your weekends back. Good luck with the 100 day challenge
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
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    Hi and thanks SH, luckily the rain had eased off a little by the time I ventured out.

    Just a quick update today as am going to hopefully tackle my huge ironing pile, rediscover lots of forgotten clothes and realise that I don't need to buy anything new. Got an MS today too, one of the scary ones where you have to 'reveal' yourself as a mystery shopper (and hope you don't get told to **** off!) so trying to forget about that for now. Then ebay this evening while OH is out. I feel a publicly shaming to-do list coming on...

    1. Do MS and report
    2. Tackle ironing pile
    3. Write shopping list before going shopping
    4. List 10 items on ebay (minimum)
    5. Clean kitchen floor
    6. Do surveys lurking in inbox

    Think that will do for today, need to do a proper meal plan too as that worked really well last year but over Christmas time I have lost the plot with it somewhat!

    Have a good day everyone xx
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
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    shrimpy_80 wrote: »

    1. Do MS and report done
    2. Tackle ironing pile yay yay and yay again, all done :A
    3. Write shopping list before going shopping fail...but shopping done and not toooo disasterous
    4. List 10 items on ebay (minimum)
    5. Clean kitchen floor
    6. Do surveys lurking in inbox done (well, screened out!)

    Not too bad and still time to get finished, plus bought some reduced veg so going to do some soup for work lunches. Better get off here quick!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • savingholmes
    savingholmes Posts: 27,544 Forumite
    Name Dropper First Anniversary Photogenic First Post
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    wel done for what you did do - good luck with ebay lol
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
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    Um so...slight fail on the rest of the list! Super busy week at work too but payday Thursday so looking forward to updating the signature, little things and all!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Options
    Super quick post as really should get ready for work, but just wanted to update that the Credit Card has finally been paid off in full today! :D:D Aiming to pay off the overdraft by end of March, then Egg by end of September, don't think I will manage the loan this year too but never say never!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • savingholmes
    savingholmes Posts: 27,544 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Options
    well done on paying off the CC - Good luck with overpaying the rest
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Options
    Morning all, managed to bag an extra 4 MShops for Thursday (on top of the one I already had booked), cover three towns all in all and am meeting my sis at 1pm so will have to be up with the lark but am going for the full £10 a month challenge in Feb so got to go for it - should bring in about £50 after travel so quite chuffed with that.

    So so sick of pushing every spare penny towards the debt today, feels like a lifetime since I went out and bought myself something lovely, I even feel guilty spending vouchers nowadays! Anyway the upshot of this little whine is that I need to move up a gear, a few extra painful months will be totally worth it if they bring the DFD forward.

    Stern talking to self now over!

    My christmas present this year was a sewing machine, and my first project is to make a cover for our lounge chair (which OH hates :p) It is a fairly hideous 80's style from a charity shop but is mega comfy and I have a beautful romantic vision of how it will look when I have finished with it, so as soon as the o/d is gone, Operation Chair Revamp can officially commence. Lots of cleaning to do today which no doubt will lead to an increase in the ebay pile! Plus sold another book on Play so need a trip to the post office. Had a neutral feedback on there from someone who bought a book which had a different cover to their stock image - I am POSITIVE I noted this in my description as I always do but now it is sold I can't seem to see the listing anymore... Have sold lots on there but only had 3 lots of feedback in total so this has brought it down to 67% :( If she had contacted me I would probably have knocked some money off to keep the peace but not much I can do about it now.

    Oh dear, another rant! Moving swiftly on to todays to-do list...

    1. 2 dooyoo reviews
    2. Post book
    3. Clean bathroom
    4. Clean fridge
    5. List 7 items on turbolister
    6. Clean kitchen floor

    Tidy house = tidy mind and all that!

    Have a good day everyone x
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • savingholmes
    savingholmes Posts: 27,544 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Options
    You sound like you are doing well - the chair revamp idea sounds great - what colours / pattern are you thinking?
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Options
    *slinks back to poor, neglected thread*

    Just wanted to mark the fact that I have now paid off over £10k of the debt :) and still ploughing on.

    Struggling with the extra money making so not sure whether I will make my end of year debt free target, but I am definitely going to give it my best shot. Deep down I know its possible so we'll see how it goes.
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
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