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22 Months to DF-Day - The Race is On!

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Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    I like Bristol and have been there a few times doing things, but I like Cardiff better and my life is here (beach vb especially) . But as I said, I'm jumping way ahead of myself here even thinking about things like that. The job would be a very good opportunity for him though.

    That's a lovely offer CMD. I'm not that far from Bristol either. :)

    Maybe we should do a 1/2 way meet during the summer!

    I have a good feeling about this relationship for you. Your BF sounds very keen and very attentive!
    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!
    That would be nice. :)

    I hope you're right. He seems much more straightforward than ex. But only time will tell.

    He makes wicked brownies as well! Never been a big fan, but the ones he makes are just divine, you're in chocolate heaven when you eat them. :)
    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: »
    That would be nice. :)

    I hope you're right. He seems much more straightforward than ex. But only time will tell.

    He makes wicked brownies as well! Never been a big fan, but the ones he makes are just divine, you're in chocolate heaven when you eat them. :)

    Well just take it one day at a time. He sounds like a nice fella though! Should we cross our fingers that he doesn't get the job then!
    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!
    I don't think we should. I believe things happen for a reason...
    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: »
    I don't think we should. I believe things happen for a reason...

    Me too! hope he gets what is meant for him
    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!
    Had a fab weekend! Went camping on Friday night in Gower, surfing lesson on Saturday morning, then rest of the day just chilling out, walking on the beach, throwing frisbee and enjoying the gorgeous weather we had. Sunday on the way back, bf dropped me off to my 'home' beach and played beach volleyball. Was so hot had to go to the sea 3 times to cool off.

    Hope this weather continues though as having my new bike delivered on Wednesday and want to go out on it during the weekend. Planning another camping trip for Friday night so will be at the place and just have to get up and go. :)

    No news on debt busting. Weather's too nice for that, but must get a grip. Last weekend only cost £65 so wasn't too bad...
    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!
    Have to say I'm not best pleased. So I managed to make 0%, 0 fee BT to Santander Zero, but my minimum payment is huge and is going to make it difficult to pay the virgin CC off which is at 6.9%. I only have £2280 with Santander,but my minimum is £51.60! So that's actually extra fifty quid I have to find each month. I might save on interest, but I've made my monthly payments much larger and I actually must find extra to make the payments. Boo! :(
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things are going well with your new boyfriend and that the weekend went well. Sorry that the debt busting is still a struggle - hope you manage to resolve the santander issue
    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 just have to wait till next pay cheque (thought the first minimum payment will go a day before from my account) and see how I can tweak my budget. From next pay I'm also doing salary sacrifise to get the mountain bike without tax and n.i. so not sure how much that is going to be. Bit frustrating. I think I should apply for M&S card and do the 1% travel cheque SBT. That is depending if I'd get it and what my credit limit would be... I think I just have to go for it though as things as they stand will make my life worse. :(

    My bike is supposed to be delivered today, can't wait! And we've booked camping for this weekend as well in the Brecons to go mountain biking. Weather's supposed to ber ok too.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    you are always so active puts me to shame.

    I have had to transfer £1200 to balance the books recently - my real sig is about £1200 higher than I am currently showing...
    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
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