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

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  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    :( Insurance is only going to cover the bikes and they probably won't do cash settlement.

    But bit of good news as well. Got some of our clothes back, including expensive waterproof trousers as someone had reported a bag of clothes to the police. Still missing my jeans and favourite techinical t-shirt...

    Debt wise, I'm over 90% paid off!!!! Woo hoo! Pay day today so paid another £275.


    debt.png


    Wow - you are an inspiration :)
    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 18 June 2012 at 3:46PM
    Thanks CMD. I'm just at the finishing line. You'll be there too! :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi Tirl

    sorry to hear about the thefts - glad some of it is covered and that you have got some stuff back

    You are doing amazing debtwise
    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!
    OMG!!!

    I have less than 1k to pay!


    debt.png


    Next challenge, to get to 5% left. :)
    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!
    Woo hoo! Fantastic news :)
    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!
    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!
    Had a week off last week. We didn't go anywhere as some plans fell through. Thought about going to visit BFs sister in Amsterdam but when he called her, she was in Barcelona looking for a place to rent!

    So just did day trips. Went mountain biking, climbing, walking and did a motorbike trip in Cotswolds. On Sunday, went mountain biking again. 3 miles from the end, I fell off, somersaulting (sp?) over the handle bars and landing hard on my backside. Oh it hurt! I've come off quite a few times, the last time just week before, but usually I can feel that things are going wrong and I'm ready/jump off the bike when I start falling so never suffered more than bruises and scrapes before. Well, no bruises this time, but the muscle must of bruised internally and just 'crunched' up. I was not able to go to work Monday as I couldn't walk properly and there was no way I was going to ride the motorbike. When I fell, we still had 3 miles to go as well. It's getting better but it's still not right and I haven't been able to do anything more than walking this week, runnings definitely out of the question.

    Was lovely to have some time off though. :)

    On debt news, I've paid 94% of my total debt now. Paid some extra off today (had some survey money I was saving for something else) as it's just getting so exciting to be so close to DFD!!!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about your accident it sounds painful!

    Great that you are so close to debt freedom tho!
    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.

    Planning to go for a bike ride today, hopefully it'll be fine. Going to Chew Valley Lake. :)
    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!
    Bike ride never happened as it took longer for BF to fix the bikes than he thought.

    Have been to a new volleyball club and signed up to play for them next season. People seemed nice and I know couple of people from there anyway. Still a big change and will probably play against my old club. :(
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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