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

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    At least your debt figure is coming down nicely. good that you have a deposit together for your next move too

    You seem amazingly active - I'm with cmd and just exhausted reading about it!

    Glad your body seems to have healed itself again!
    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!
    13.5mile bike ride after work yesterday. Legs feeling pretty ok. Planning a run after work tonight. Will have to get out straightaway as bf will already be home.

    hsbc paid off in full now as well. I need to try and not use it!!!!


    debt.png
    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 doing well on the debt and the fitness!!! You are amazing!

    Hope you manage to get the job of your dreams to
    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 Saving.
    I never went for that run after, bf was home and it was just too tempting to stay home.
    Went for a 18mi hike yesterday though,longest I've done for a good while. Was lovely if hard at times.

    Debt going down not quite planned so it might have to go up again at some point if I can cope.

    Don't know about job of my dreams yet, just something in Bristol will do... ;)
    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 Saving.
    I never went for that run after, bf was home and it was just too tempting to stay home.
    Went for a 18mi hike yesterday though,longest I've done for a good while. Was lovely if hard at times.

    Debt going down not quite planned so it might have to go up again at some point if I can cope.

    Don't know about job of my dreams yet, just something in Bristol will do... ;)

    The hike sounds long, but lovely! Walking I can deal with, I walk everywhere as I don't drive!!!

    Hope your weekend is going really well :)
    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, had a really nice weekend. Lovely weather always helps.
    Sunday went to the beach to play vb. Thought I burned my arms and face but got away with that and only have small red patch on my chest. Still haven't cycled to the beach, v. naughty. Watched some of London marathon and then would've been quite late if I hadn't driven.

    Hope everyone else has had lovely weekend as well! :)
    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
    Wow you must be soooooo fit! I can't imagine hiking 18 miles!! I can manage about 3 miles I think at the moment... not sure if I could do more... Just tidying up around the house is giving me aches and pains at the moment despite only being 40 and slimming down!!
    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!
    ha ha saving.. :) not sooooo fit, but getting back there.

    3miles is a start! And you're doing brilliantly at weight loss!
    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
    thanks Tirl - I am really enjoying fitting into clothes that I last wore about 5 or 6 years ago! I threw most of my stuff out especially tops, but skirts, trousers and jeans if I really liked them at the time, I kept.

    I'm still in awe tho of anyone who can do 18 miles!
    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!
    edited 20 April 2011 at 8:17AM
    Well, we've needed to get our !!!!!! in gear and do some hiking as bf's family are really outdoorsy and end of May we're supposed to go to Yorkshire to do the 3 peaks there, which is very up and down and about 25miles.
    After the 18miler at the weekend, I finally feel I'll be fit enough to do it.

    Using my hsbc card for food this week as someone's got hold of our tesco cc details and been buying stuff on it. GRRR!!! But (the hsbc card) will be paid off in full as we always do with our food card. Tell you what, last months 'food' bill was a total shocker! £70 more than expected per person. I did have friends around for a weekend and bought some booze but it was a bitter of a shocker none-the-less.

    Looking forward to long holidays in 2 days time!!!! :):):)

    still haven't done much more about job hunting...*hangs head in shame* :o:o:o never seem to have time...what an excuse!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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