We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Swimming BEFORE we start to sink.
Comments
-
I'd love to be over on the mortgage free wannabe too
.......i'm sure we will one day soon though 
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 -
I've had mascara, foundation, lipsticks, drinking glasses, free samples all sorts really from the freebies boardAchieve 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, 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: £18.120 -
How are you doing AH?Achieve 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 -
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: £18.120 -
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: £18.120 -
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 :TMortgage 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 -
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 £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 -
Wow, well done AH, that's great news Full LBM 26 Sept 110
-
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 £12.650
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards