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22 Months to DF-Day - The Race is On!
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Hi Tirl - where have you gone? Everything ok?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 29/7/250 -
Hi Saving, I'm ok, just been ill. Started with sore throat on Thursday and still going on. Met a friend in town yesterday and was knackered by 4pm. Today I'm staying home. Probably taking tomorrow off work as would need to cycle and take the train early and just feeling really weak.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hi Tirl - hope you are feeling better by now....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 29/7/250 -
Thanks SH,yes I'm feeling better now. Ended up taking Tuesday off as well and it was a good move. Motorbike is still not fixed and might be awhile now as BF has a horrid cold and is off work. He took Friday off to get more time to fix the bike but we'll see if he's in any state to do any work on it.
So have been cycling/taking the train to work. Am glad my new found 'cycling legs' are still intact from not having been used for awhile, I really feel like flying nowadays compared to what I started off with.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
sounds like you are doing well on the fitness front.
Dare I ask how the job hunt is going? Is there nothing available locally yet?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 29/7/250 -
I'm back...not that I was away. I've been embarrased about my ostritch lifestyle regarding job hunting. I need help, I've asked help, I've been offered help and that's were I've left it. I need to get a grip! I need and want a job locally. How do I motivate myself to do this?DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Can't wait for tomorrow, pay day again and another couple of hundred quid will be off the debt!
Been keeping an eye out on the whatsthecost website and by looks of it will have to find another £214.50 if I want to finish off paying my debt before my birthday this year. Not sure if it's doable as stuff coming up and might miss extra payments in June because my sister is getting married in July and we're discussing about going on the motorbike... Well we'll see, I'll do my best.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Pay day, pay day!
Another £280 off debt and up to 87%! Woo hoo! Not far to go anymore.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
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Thanks CMD! It's so exciting to be nearly at the end of a very long journey. It's definitely gotten easier and not every penny is going towards the debt anymore. Can't wait to see the last of it!
How are you doing?DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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