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I Thought I'd Be More Excited.....
Comments
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You have done so well A big well done to you i do agree what people have said you will see a big difference come next month when you see a difference with your financesPROUD TO BE DEALING WITH MY DEBTS:j
£1 a day savings pot started 23 January 20120 -
Congratulations on making that final payments and all those payments along the way. Well done for not giving up hope or going off track. Stay on MSE - you are more than welcome. I think that we need support to stay on track as we get closer to or reach debt freedom to make sure we don't go backwards.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 16/1/260 -
Congratulations and well done!!!
You will be walking on the clouds next month when you don't have any more payments to make.
Save for a lovely holiday with your children and see their happy faces enjoying all that you used to NOT be able to afford.0 -
maybe a change of focus now join the old stylers and xmas boards and learn some new money saving - it will be useful before xmas to prevent slipping back into debt.DMP 2021-2024: £30,668 £0 🥳
Current debt: £7823.62 7720.52 7417.940 -
Well done!!!
I had the same experiance a few weeks ago i was finally able to pay the balance through the help of the cccs and then with the help of coming into a small amount of money to be able to clear the rest off my dept off, but when i called them to pay it off they were rude and unhelpfull, like they didnt want me to pay it off!! And i havent had any paper work either!
As for not feeling excited, i was the same and it still feels very strange that i can go out and get little bits and not having to worry as much. I think it will always be there as now i am much more aware of how easy it is to get in trouble. But enjoy not having to worry about it
xx0
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