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

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi CMD.
    Well, I don't know about great, but it's definitely ok. Still not under 5k as have to save the money and now pay it off atm,otherwise I'd be around 4.5K atm...Never mind.

    BF's job is going well. He's itching to get to Bristol though and socialise there a bit more but won't have money until we move there and that's god knows when. Getting along with the job applications etc but not at the point yet where I can expect interviews,give me another week or two and fingers crossed I should have some.
    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!
    BT all sorted. :) Zero card is down to £471.12. £40 more debt because of the transfer fee, but it'll work out for better. Just need to shift that last bit off zero card.

    Have a uni friend coming round at the weekend. Haven't seen her for awhile now so looking forward to it. Used to always meet with 4 other girls but nowadays it's not so easy to get everyone together at the same time. One of them lives here too though so it'll be 3/5. :)
    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!
    I am glad the B/T has been sorted. Best of luck with the job applications - hope you start to get some interviews very soon!
    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!
    Thanks CMD, me too. I can't really plan anything long term at the moment re paying my debts off, cos it all depends what kind of job I get, when we move, how much it will cost, how much money will I have left off my last pay cheque after paying the bike off... I should be able to manage to pay off the tesco cc before it's 0% ends in October but I don't see getting all my debt paid off this year. :( It's a bloody long journey...
    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: »
    Thanks CMD, me too. I can't really plan anything long term at the moment re paying my debts off, cos it all depends what kind of job I get, when we move, how much it will cost, how much money will I have left off my last pay cheque after paying the bike off... I should be able to manage to pay off the tesco cc before it's 0% ends in October but I don't see getting all my debt paid off this year. :( It's a bloody long journey...

    Your right. It is a long journey, with lots of twists and turns along the way!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your right. It is a long journey, with lots of twists and turns along the way!
    I can so relate to that - It just feels like forever even though in theory I am in the home strait now!

    You're welcome to send that email by the way - did you get my pm?
    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 can so relate to that - It just feels like forever even though in theory I am in the home strait now!

    You're welcome to send that email by the way - did you get my pm?

    Yes I did, thank you very much. Just haven't had time, been out both nights...and tonight as well but hoping I can get it out soon cos help would be appreciated.
    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
    edited 19 March 2011 at 12:12AM
    Feeling better this week compared with last or the week before. The pain is under control now but still have sleeping issues
    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!
    Had a really nice weekend with my friends and the weather was really favourable. Went to a castle and to the beach, took the water bus to the bay and on the first night had some home made cocktails. :)

    Bf's mum's house sale is supposed to be completed on 1st April which would mean bf would get £5.5k back from his mum which would be very helpful indeed.

    Still sunny in South Wales. :)
    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: »
    Had a really nice weekend with my friends and the weather was really favourable. Went to a castle and to the beach, took the water bus to the bay and on the first night had some home made cocktails. :)

    Bf's mum's house sale is supposed to be completed on 1st April which would mean bf would get £5.5k back from his mum which would be very helpful indeed.

    Still sunny in South Wales. :)

    Lovely and sunny here Tir :)

    Sounds like a great weekend! Does BF's mum owe him that money or is it a gift? Could be a great flat/house deposit for the future when you can save rather than have to pay off money.

    When do you think your DFD will be now?

    I am still hoping for the end of next year (2012)
    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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