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

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Comments

  • :bdaycake:HAPPY BIRTHDAY:bdaycake:

    Hope you have a lovely day!
    Sealed Pot Challenge #016
  • Happy birthday! x
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Thanks TMD and Purpletea. Will have a nice day when I get off work ;)...3 more hours to go methinks. Though it's not too bad atm, munching on cake :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated happy birthday - hope it was a good one

    Those cakes sound really yummy1
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hey saving.
    The cakes were lovely if I say so myself. Still have ingredients to make another brownie cake which I fancy doing this week.

    I'm under £2000 on Zero card! Only been paying minimum payment on it so it's not exactly an achievement but feels nice none-the-less. :)
    Pay day is fast approaching, next Monday, and before 7/12 I've paid my s. loan off - how exciting is that?!?! Kind of want it to be then already though you shouldn't wish your life away.

    Went to see Hangover in cinema for free during weekend and tonight we're going to free cinema again. Cheap entertainment, gets us 'out' and keeps bf occupied as no further news on foot. He's finally going to be able to make an appointment to see an orthopodist (sp?) but you there phone line is only oper 6hrs (!!!) a week!
    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!
    Ooooh, just checked my bank account and my £25 from survey site has arrived!!! :)
    Really,really needed this money. They sent it within a week which is great!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan wrote: »
    Ooooh, just checked my bank account and my £25 from survey site has arrived!!! :)
    Really,really needed this money. They sent it within a week which is great!

    Which survery site was that Tir? I really need to get back into them now my maternity leave is officially over. Back into AQA too!

    How are you? How exciting about the student loan :) Myself and OH are getting really excited because if he gets this new job and I get a job I reckon we could have the debt paid off by next Xmas. Would love that!
    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!
    Ooh, that does sound good! Keeping fingers crossed for both of you.

    It was opopinium, not quite sure how long it took me to get there, but I don't care, the £25 is in my bank now. Another site I would recommend is crowdology. They pay into your paypal account after you have £4 but paypal will take 2%. Not claimed off them yet but am up to 6quid or so...
    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!
    Pay day today! Overtime got paid as well, woohoo! The most exciting bit is, that it's the last pay cheque that money is going off to pay s.loan!!! Money has now been transferred to my other a/c that I use to transfer to Finland. When it's there, 3 days max, I can make the transfer, then max 10 days and s.loan is history!!!! I can't believe I've finally gotten this far. I think I'll get below 5k February time. I'll have to think of a nice little treat when s.loan is finally gone! Maybe the shoes I need to buy for bf's work xmas do so I can wear my new dress (bought last year on sale) finally! :):):)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan wrote: »
    Pay day today! Overtime got paid as well, woohoo! The most exciting bit is, that it's the last pay cheque that money is going off to pay s.loan!!! Money has now been transferred to my other a/c that I use to transfer to Finland. When it's there, 3 days max, I can make the transfer, then max 10 days and s.loan is history!!!! I can't believe I've finally gotten this far. I think I'll get below 5k February time. I'll have to think of a nice little treat when s.loan is finally gone! Maybe the shoes I need to buy for bf's work xmas do so I can wear my new dress (bought last year on sale) finally! :):):)

    Well done Tir. You are a true inspiration for people paying back money in the long term :)

    Defo treat yourself to the shoes!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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