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22 Months to DF-Day - The Race is On!
Comments
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thanks CMD! will do tomorrow.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Hi Tirl - sorry I missed your debt free day!! Congratulations! How does it feel this month to know your money isn't going into the debt blach hole?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Hi SH.
Yes, it's been nice. Still doing some catching up,paying last month's stuff from this month's salary but will still have money left as well. And I had to buy a new helmet this month, £190!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Good that you could get the helmet without debt tho!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Yes, it's really nice not having any debt any more. And nice to be able to cope with unexpected things cropping up. I also had to go London to renew my passport which wasn't cheap. I knew it was going to expire early next year but wasn't expecting it to expire before I needed to go to my sister wedding. All sorted now though.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Hi Tirl - are you all set for xmas?
SHAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Hey SH.
Yes, all set for Christmas. Even bought a real Christmas tree from a$da. First one in years. Looks all lovely but not able to enjoy it during as already at bf's mum's place. Unfortunately working next Thu,Fri and New Year's EVe.
How about you?DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hi Tirl
yes just finished xmas food shopping and most things now wrapped. I've now finished for xmas I am off all the way through to 2nd Jan and then I am due back with a bang.
Hope you have a really good timeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Happy New Year 2013!
May it be good for all of you. :beer:DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
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