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

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  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Thanks for the support CMD.

    I ended my last relationship which was going nowhere.

    I don't know what I want to do or I don't want to do what I know I must.

    I don't envy you but the important thing is to take your time. Maybe the time to do it is when you are settled and happy in a new house. You don't want too many upheavals at the moment.
    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 will want to talk to him about things as well, though I have entertained the idea of just dumping him. I don't believe he loves me and so we have no future, but maybe I'm wrong (and the pigs will fly...), but you never know.
    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 will want to talk to him about things as well, though I have entertained the idea of just dumping him. I don't believe he loves me and so we have no future, but maybe I'm wrong (and the pigs will fly...), but you never know.

    Well, in this case I hope you are wrong and he is prompted into telling you how he feels :)
    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!
    Well,that's enough of that, but thanks CMD. You're :A.

    Amazon is not good news either, I've gone through my inventory, and there's lot of books that are getting to be not worth it. I'll be taking some to charity shops cos I want the space back. I'll give my cd's till end of Feb, then check how much I'd get through MM.

    No other news on debt busting front.
    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: »
    Well,that's enough of that, but thanks CMD. You're :A.

    Amazon is not good news either, I've gone through my inventory, and there's lot of books that are getting to be not worth it. I'll be taking some to charity shops cos I want the space back. I'll give my cd's till end of Feb, then check how much I'd get through MM.

    No other news on debt busting front.

    Did you see the weather warnings for tomorrow? Brrr, it looks cold. I have an appointment with the midwife. I hope I can make it to see her.
    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!
    Well you see, I'm really looking forward to having lots of snow. :) I don't think anyone else is much.

    Hope you get to your appointment though.
    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!
    It was lovely outside this morning, with streets full of snow! Just like back at home. Still snowing, as long as there's plenty of snow on the mountains at the weekend and I can go out to play, I'll be really happy! :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi Tirl sorry I've not caught up for a few days. Hope you manage to decide what to do re boyfriend, flat and CC. The one things I would say is that each of those are major stress decisions - I would suggest you perhaps tackle one of them at a time rather than trying to deal with all three
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    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!
    Thanks SavingH.

    I'm putting bf 'problems' on backburner as I still enjoy spending time with him and having him in my life makes me mostly happy, only sad once in awhile when I'm alone and bored (not quite true...). He always makes me happy when I'm with him.

    However, I have taken action on another front! This girl is going to move!
    Let's not get too excited yet, haven't found anywhere yet, but went to see 3 different flats today and 2 more tomorrow lined up. Out of todays options the first one was No straight away, just not my type of house or people though they seemed nice enough. 2nd one could've been a goer, but bedroom furniture really let it down. Bed was ok, but 'wardrobe' and 'chest of draws' were those canvas ones. I couldn't live like that. Third one was as someone's lodger, which I've never done before, but the lady was really nice, the house was lovely, bedroom was nice enough and good size, but bit dull otherwise and not done to the same standard as the rest of the house. It's bit further than I'd ideally like, but had a good feeling about it. It's a strong contender.

    Tomorrow I'll go and see 2 flats really close where I live now. One is a 3 share, another one with just one other. The latter is the most expensive and I'd need to be bit more careful with money, but it's an option.The woman I spoke to sounded really nice and chatty, she's got two cats (bf doesn't like cats :(, I'd quite welcome some animal company) and large garden. Will tell more about those two tomorrow evening or sometime during weekend as going to bf's later.

    It's my only totally free weekend until Valentine's day, otherwise have matches every Sunday.
    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!
    Decided to change my sig. I think it still needs bit of work, but that's all I can come up with now.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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