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Clearmydebts - new chapter to becoming debt free before moving home

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a lovely time CMD

    Tirl- I understand the jealousy but hey we feel the same when you nip back to Finland LOL
    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!
    Hi all,

    Am just back and we had a wonderful time. It was sunny every day and the apartment was gorgeous. The food was beautiful too and we had fresh fish most days.

    Didn't want to come back. Lol!!!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Glad you had an amazing time x
  • Birdie85
    Birdie85 Posts: 9,330 Forumite
    Welcome home CMD, glad to hear you had a lovely time! Is the Bump well? And little Max? :)
    Overcome the notion that you must be ordinary. It robs you of the chance to be extraordinary!
    Goal Weight 140lb Starting Weight: 160lb Current Weight 145lb
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Thanks Wendz and Birdie!

    Max had a great time. He loved the pool and took to the heat very well. He had a nap every day during the hottest time of the day and then went in the pool around 5pm. He was getting attention wherever he went as he was smiling and chatting to whoever he could! He is a sociable little thing!

    The bump is good too. Getting more active by the day. I am 27 weeks today and can't believe it. This pregnancy is flying by!

    We had some really sad news about an hour ago though. OH's best friends wife (who was 28 weeks pregnant) gave birth yesterday and their little boy didn't make it. We are devastated by the news :(
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • poddle911
    poddle911 Posts: 1,406 Forumite
    Part of the Furniture
    Glad you had a lovely holiday CMD and a good chance to relax in the sun with OH, Max and bump!

    What terrible news to come home to, I can't even begin to imagine how devastating it must be for them. And also tough for you being at the same stage of pregnancy :(
    LBM Sep 2008 debt: £27,927.04
    start weight: 140.2, week 2: 138
  • Birdie85
    Birdie85 Posts: 9,330 Forumite
    Oh my word, that's such awful news, hope that you're not getting yourself worked up too much as it won't be good for your baby... I can't even imagine how everyone must be feeling :(
    Overcome the notion that you must be ordinary. It robs you of the chance to be extraordinary!
    Goal Weight 140lb Starting Weight: 160lb Current Weight 145lb
  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Glad Max enjoyd it.

    That is awful news , they must be devastated.

    Try not to worry yourself either. I agree your pregnancy does seem to be going really quick!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Thanks - am trying not to think of it too much, as it is too stressful and sad :(

    So I did my figures again and my debt is gone up (again). Am not happy about this but I did have a lovely holiday in Portugal, so trying not to stress too much.

    OH is due to get paid some overtime this month, and get some relocation paid back so I do hope to clear the Virgin credit card by the end of July, and get a big chunk off OH's credit card. If I could have both of them gone by the time the baby arrives that would be a huge load off our minds.

    We are going to have a good chat at the weekend and see where we can cut back and where we can make more money. I will hit AQA with a vengeance until the baby arrives and OH thinks there should be at least 1 day a week overtime in July and August so if we can put our heads down we can hopefully start to make some headway.

    The amount of debt is very depressing though. I just can't seem to shift the last 15k and I know it is down to overspending, but I can't seem to reign myself in.

    At least when we go to Ireland in July that will be the last of booking flights until Xmas. This one cost over £200 and we have to go, as it is my nieces christening. I don't think my family realise how much flights have gone up though.

    Still no word on the job in Ireland that OH has gone for. It is getting beyond irritating now ......
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear about the debt but the holiday sounds like it was just what you all needed.

    I am sure you will find ways to try and get it down a bit and where to cut down.

    Sounds like it is expensive you going back to ireland on trips so if you move there at least you will save loads of money from that hehe.

    How annoying about the job as well, talk about keeping someone hanging on.
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