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A Budgeteers Quest to be Debt Free & Mortgage Free By 40

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  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done! You've achieved more than me :D
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hi ddfw

    Haven't been on much ddfw. Will get a catchup and hope to get back to normal MSE service soon :)
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    Well done! You've achieved more than me :D

    Aw thanks jwil but i doubt that as i can see you've done a fair bit on your thread too ;) Need to get a few things sorted out today mind :cool:
    ebayqueen wrote: »
    Hi ddfw

    Haven't been on much ddfw. Will get a catchup and hope to get back to normal MSE service soon :)

    Hi ebayqueen - hope all is well with you hon and thank you for stopping by :D I doubt you've missed anything major from my posts anyways :cool: Right i think i should have some brekkie now - i often can't face anything first thing :o
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    PAD: Starting Balance:Target 1: £2245.19

    1, £1.00 = £2245.19 - £1.00 = £2244.19
    2, £1.00 = £2244.19 - £1.00 = £2243.19
    3, £1.00 = £2243.19 - £1.00 = £2242.19
    4, £15.00 = £2242.19 - £15.00 = £2227.19
    5, £44.79 = £2227.19 - £44.79 = £2182.40
    6, £105.40 = £2182.40 - £105.40 = £2077
    7, £1.00 = £2077 - £2 = £2075
    8, £11.00 = £2075 - £11 = £2064
    9,
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    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Well done DDFW, that's a fairly substantial increase today on a £1 PAD...well done hon :beer:
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    brizzledfw wrote: »
    Well done DDFW, that's a fairly substantial increase today on a £1 PAD...well done hon :beer:

    Hi brizzled :wave: and thanks for stopping by :D Target 1 in some ways is a really annoying target :mad: in that it is not interest free :o and i paid it off in full last year :o and have had to use it again to get a new boiler and radiators :o Sometimes life does just get in the way of debt clearing and the heating was broken for a very long time until it got to the point of being unbearable and having to be replaced - and obviously something like this isn't cheap :( But then again i am a little relieved that i had access to these funds otherwise the job couldn't have been done. Still at least i'm toasty now :)

    There are soo many jobs that need doing on this house :( and they are essential rather than desirable changes - such as the guttering has failed and needs replacing all round the house but i have no money for this just now :( I guess i am pleased the heating has been done though as it was a major job that needed doing and so thats crossed off the list and doesn't feel like its hanging over me :cool:

    Today however i feel rotten _pale_ I have a really painful sore throat :( and i was up most of the night with a very upset stomach so i'm also tired and my body aches (due to upset tummy :o) Just going to have a minute and then tackle The Freezer of Doom!
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    PAD: Starting Balance:Target 1: £2245.19

    1, £1.00 = £2245.19 - £1.00 = £2244.19
    2, £1.00 = £2244.19 - £1.00 = £2243.19
    3, £1.00 = £2243.19 - £1.00 = £2242.19
    4, £15.00 = £2242.19 - £15.00 = £2227.19
    5, £44.79 = £2227.19 - £44.79 = £2182.40
    6, £105.40 = £2182.40 - £105.40 = £2077
    7, £1.00 = £2077 - £2 = £2075
    8, £11.00 = £2075 - £11 = £2064
    9, £15.00 = £2064 - £15 = £2049
    10,
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    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Freezer audit has been done - much better than the last time i did it - i now not only know whats in there but i also know where it is ;) This confirms we have enough meals in to see us to the end of March without too much needed for the freezer (do buy some individual meals for OH) So this should hopefully help me to stay on target with the food budget :D

    Got quite a bit to get on with but its mainly stuff i can only start later hmm...

    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel a bit better soon DDFW, I bet the new heating is lovely not having to battle every time you want a shower or do the dishes.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    Hope you feel a bit better soon DDFW, I bet the new heating is lovely not having to battle every time you want a shower or do the dishes.


    Aw thanks for understanding hon :) The ease of access to hot water is definitely where i've felt the biggest benefit ;) - I don't know why i'm feeling so bleurgh - i think if i went back 4weeks my post would be similar :( - upset tummy has settled today but throat - which started hurting satday i think? is no better :(
    Ok, so i've just typed and printed a letter that i had to do - so thats good as its a job that been being carried over to the next days To-Do list every time :o These things just hang over me so it is good to get them out of the way :)

    And i do have a complaint letter to do so might just get around to that as well whilst the printer is switched on :cool:
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
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