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Swimming BEFORE we start to sink.
Comments
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Hi Aiming High
That's great news about the £50 and well done on paying it off the CC.
BeenFull LBM 26 Sept 110 -
Beencounting wrote: »Hi Aiming High
That's great news about the £50 and well done on paying it off the CC.
Been
I pay it off before I get chance to like it in the bank. :rotfl: Need to sort out my latest ebay sales....just packed it all up and paid postage out of paypal. Need to pay my eBay fees now and link up my bank account again as had an issue with it. :mad:
Also just got £70 from a buyer coming to collect, so going to use that to pay some other bits off.You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Well I've just gone onto online chat with eBay as my account is an older business account it has my contact details in every listing... I tried after closing my business to get it converted back but the help sections said I couldn't. So I went onto chat to see if they could put a fake number in the listings etc.....he said he's sent the forms off to get my business account put back to personal - bonus :T I didn't think I could and I won't loose my feedback etc. - Well chuffedYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Just got my paypal access card :T
Activated it after transferring £40 out of paypal, then realised I might be able to use it to pay my CC straight away so no more waiting for it to transfer out, I might have to test it out with the £1 left in there....back to report shortly. If it works I'll be well miffed as I could have paid the lot tonight.You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
ARGH didn't work...would have been miffed if it did, but I'm gutted that it doesn't.
Ah well, I now have another card to add to my purse that lets me spend out of my paypal account. Will work to be a nice saving pot when I've combated these debts.You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Right harvest festival has been watched, brew has been drunk. List for today and then I need to move my rear:
* [STRIKE]Pack last eBay parcel as they've just paid[/STRIKE]
* [STRIKE]Asda[/STRIKE]
* [STRIKE]Post eBay parcels[/STRIKE]
* [STRIKE]Phone MIL[/STRIKE]
* Complete todays surveys
* Tidy up again *sigh*
* More washing...You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
sounds like things are coming together - lovely when you can pay things off isn't itAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Well I'm back from Asda and can say that I kept UNDER budget. We're trying weekly shopping with meal planning to help keep things in check. Now it's early days and we'll get more frugal as time goes on, but for now we've set a target of £100 a week to feed a family of 6. I managed to get all the shopping for under £88 including £10 on annuals for the 3 of the kids. :T Good start even though we didn't need much 'non' food stuff.
Also got a statement today from one of the companies we owe. Last christmas we got 2 presents for the kids and a couple of other bits we needed and put it on finance.We did only do it for 2 years though, so that's a good thing. We may or may not get to pay it of quicker as others are higher APR but I've put the interest heavy total in my signature as I like to see things go down (and it's what the statement shows), I'm not going to put it all in yet as I like to work from current figures and my signature may start to look a mess. :eek: I might have to put the other 0%'s in too.....we'll see how it looks
You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Aiming_High wrote: »* Tidy up again *sigh*
...
you may as well not cross this one off EVER. well at least not until the kids leave home :rotfl:my house is exactly the same!!!Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
0 -
Yep it's feeling that way. I only cleaned right through on Tuesday when I was off...Stubborn might be the way to go and make the messy lot clean up their own stuff.You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120
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