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Swimming BEFORE we start to sink.

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Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,570 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'd love to be over on the mortgage free wannabe too :( .......i'm sure we will one day soon though :)
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 7/24
    No Spend March- 17/31
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've had mascara, foundation, lipsticks, drinking glasses, free samples all sorts really from the freebies board
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Aiming_High
    Aiming_High Posts: 500 Forumite
    Well, when things look on the up, or on an even keel things crop up...... £100 on a part for the car. :(

    Pasta for tea kids? I've just been asda and I'm hoping it will last til a week on Tuesday, as the bank is very empty til then, good job I've got most stuff for DD1 as it's her birthday on Tuesday.

    MIL has offered the give us the money/loan us it - not sure which, if we get short before next payday, part of me wants to get through it though, with minimal damage to the CC (which I'm sure will happen slightly).

    I can't wait for Christmas as I love it, but roll on afterwards when we can do some serious damage control on this debt.
    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: £18.12
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How are you doing AH?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Aiming_High
    Aiming_High Posts: 500 Forumite
    Hi

    I'm fine thanks, plodding along, things are tight again at the moment with having the buy the part for the car and having to get a puncture repaired too...we've NOT borrowed it off MIL but have put a couple of bits on the CC - just need to get through til Tuesday and things will get easier.

    I realise that debts aren't going to get much better til after christmas but we will keep on top of minimum payments (plus the one we pay extra on already) so things will go down at least albeit slowly.

    I need to check we haven't got more for eBay soon, tackle the DVD draw I think.
    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: £18.12
  • Aiming_High
    Aiming_High Posts: 500 Forumite
    I've just won an iPad 2 through a competition at work!!!!!!
    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: £18.12
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,570 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aiming_High wrote: »
    I've just won an iPad 2 through a competition at work!!!!!!

    :j:j well done AH!!!!!!!! What a lovely way to end the week :T
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 7/24
    No Spend March- 17/31
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab news on the competition win - are you going to keep it, sell it, make it a xmas pressie to each other or what?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Beencounting
    Beencounting Posts: 952 Forumite
    Wow, well done AH, that's great news :)
    Full LBM 26 Sept 11
  • vintage43
    vintage43 Posts: 386 Forumite
    What a brilliant diary, you are so motivated, I would like to start one too, do you fill it in daily, I hope it will keep me motivated! How do you put lines through the old amount on your signature to add a new amount??:beer:
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
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