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Clearmydebts - new chapter to becoming debt free before moving home

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  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That really is a great boost! Bet that has made you very happy.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow that is amazing ! What a turnaround! I bet you feel heaps better now! Its lovely when you can beat your target and you get unexpected money like that!
    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!
    Fab new CMD! So nice to have suprise extra money! :)
    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: »
    Fab new CMD! So nice to have suprise extra money! :)

    It defo is. Can't wait to get it!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    £32 paid off my Santander card. Its the minimum amount but am getting closer to getting under 14K :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Every little bit really does make a difference. It felt impossible to me too at stages but now we are practically there. I booked a holiday today tho so that will slow down us making the final CC payment - but its on 0% until Sept so not rushing...
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Yay - am under 14k!!!

    We have decided not to cash in OH's 1k relocation yet as a job has come u in Ireland and he has just gone for it so if we do leave he would have to pay it back. If nothing comes of it then we will cash in the relocation and pay off some of the credit cards.

    Both of us are finding it hard to concentrate because we want to move home. We did the finances and it looks like I could be a SAHM if we did move back, which would be nice for a while with 2 young children.

    Please all keep your fingers crossed that something comes of this. I really need to be near my family. My Mum was talking to OH at the weekend and she said she thinks I look terrible (far too skinny for being this pregnant) and said that my 'get up and go' and 'got up and gone' since long before Xmas.

    I think she is right. I do feel lacklustre. The job is actually fine at the moment, but it is the thoughts of moving home that is keeping me going.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    I would love to see that Virgin card gone by May but I have a feeling it might be the end of May before I see the back of it!
    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!
    Fabtastic CMD!!!!

    Oooh,fingers crossed for your OH to get the job. That would be just perfect. It would be lovely for you to be a SAHM, so hope it all comes together!
    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 CMD really hope that things improve for you and that your OH gets that job - that would be such a fab turnaround for you. Anything to take the pressure of would help hey.....
    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
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