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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!
    Bf's mum owes him that money, but it's on his CC so it'll just pay that off.

    I have actually no idea when I'll be DF now as I'm just paying minimum amounts atm and I can only start paying more when we move. I might have saved money then depending how much the moving etc costs. I wanted to be DF before the end of this year, but that's definitely not going to happen now so my hope is before summer 2012.
    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: »
    Bf's mum owes him that money, but it's on his CC so it'll just pay that off.

    I have actually no idea when I'll be DF now as I'm just paying minimum amounts atm and I can only start paying more when we move. I might have saved money then depending how much the moving etc costs. I wanted to be DF before the end of this year, but that's definitely not going to happen now so my hope is before summer 2012.

    That will be of great help to him with his cc's.

    You never know, maybe you will get a better salary and things won't cost as much to move. Fingers crossed anyway x
    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!
    edited 22 March 2011 at 1:58PM
    Jobs seem to pay bit higher in Bristol, between 1-2 grand more, so fingers crossed I get one of those...

    Bit of a crappy day today, am tired and grumpy and people are not doing what they're supposed to do and therefore hindering my work. Just want to go back home to bed. Bf is going climbing today and not coming back home but staying with his friend so am on my own tonight. :(
    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!
    When do you think your DFD will be now?

    on what's the cost it shows it as June 2012 atm :(
    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!
    We had a match on Sunday, just one this time and we won!!!! Doesn't happen too often for our team so was very happy indeed! :)

    When I got home, bf had noticed a ski sale in gooutdoors so went to have a look for me. Bought a new jacket (old is fine but bit dull and old fashioned) and trousers for less than £50!! And the jacket is Helly Hansen and trousers Dare2Be.

    Then had fajitas for dinner which were very yummy.

    I haven't lost any weight yet but am feeling slimmer so must of toned up a bit.
    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's raining :( and I don't have my mudguards on the bike = wet bum when I go home.

    Yesterday was pretty full on exercise wise;cycled to work and back, decided to go for a run and cycled to training. Managed to slightly pull a muscle in my side as well at the end of training and with our new matress being quite firm,could only lie on my left side.
    Today it's going to be longer cycle back from work (only about 3.5mi) and then Shred. Atm I'm still on level 1 but should move to level 2 next week (not looking forward to it as it's so much harder...)
    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: »
    It's raining :( and I don't have my mudguards on the bike = wet bum when I go home.

    Yesterday was pretty full on exercise wise;cycled to work and back, decided to go for a run and cycled to training. Managed to slightly pull a muscle in my side as well at the end of training and with our new matress being quite firm,could only lie on my left side.
    Today it's going to be longer cycle back from work (only about 3.5mi) and then Shred. Atm I'm still on level 1 but should move to level 2 next week (not looking forward to it as it's so much harder...)

    Wow - Tirl I feel tired even listening to you!
    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 to be honest, it's peanuts atm, cycling to work is only 1.5miles one way though on most days I'll take a longer route back home,run was only 2.8miles as I'm not really back into it yet and cycling to training and back is 5miles altogether.
    Want to get back doing 20 miles a week running but I like the exercise dvd as well as it's weights,cardio and abs. Started doing some stretching in the evenings too as feeling pretty tight and not supple.
    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!
    Getting back to fitness is such hard work. I wanted to cycle a 13.5mile route after work but had to stay longer than expected and decided against it (thankfully). Instead I did slightly further than my usual back to home cycle. It ended being 5.5miles but my legs were knackered after so didn't do Shred straightaway. Then bf came home earlier but was going out to see a friend after dinner. Finally did Shred at half 8 and the only reason I did it was that on Sunday's weigh-in, I want to see some loss and if I don't, I can blame it on the foods I eat and not lack of exercise.
    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
    sorry Tirl I just missed your call - I forgot... I am in now if you want to give it another go
    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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