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Clearmydebts - new chapter to becoming debt free before moving home
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Hope you get the news you wantAchieve 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 -
Happy New Year everyone!
I had a lovely Xmas. Have been at home in Ireland with Max since the 13th Dec and OH was home for Xmas with us. We had Xmas day at OH's and the rest of the time at mine.
I had my interview on the 6th Jan and got the job so we are moving to Scotland asap. OH has training in Scotland this week and next so myself and Max are going to meet him there and stay with him (his company are paying for the apt) and then we can look at creches and apartments.
The job is 24 hours per week (3 days) so I am delighted as I get to work plus spend 4 days a week with Max as well. It is a home based post as well so I get to wave him off in the mornings and see him when OH collects him from creche in the evenings
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thats fantastic news CMD, so pleased for you, brand new start.Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
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CMD, that's great news, well done! Glad you had a good Christmas - it's mad that everything is happening so fast, but fingers crossed the flat and creche will fall into place like the jobs did LBM Sep 2008 debt: £27,927.04start weight: 140.2, week 2: 1380
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Fantastic CMD! That's a really good start for the new year! Well done!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Congratulations CMD and the job sounds perfect Weightloss: 14.5/65lb0
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Congratulations CMD, what a brilliant start to a new year! I'm really pleased for you! :jOvercome the notion that you must be ordinary. It robs you of the chance to be extraordinary!Goal Weight 140lb Starting Weight: 160lb Current Weight 145lb0
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that;s fab cmd! good luck with getting everything sortedAchieve 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 all,
Haven't been on here in ages. We are in the middle of packing and are due to move next week (23rd).
I have recalculated our debts as they have been racking up with the move and we just can't seem to get under 15k at all. I am hoping when I start working that we can start to pay it off regularly and get rid of it once and for all.
I have done the induction for my new job and not 100% convinced it is me but will give it a go anyway.
More to update and follow when I get a chance....Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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