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Keeping up with the Jonesy

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  • Jonesy88
    Jonesy88 Posts: 959 Forumite
    Debt-free and Proud!
    OH got paid... I've done the money shuffle, and...

    I AM DEBT FREE!!!!

    YAY! :D

    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    I paid the car off a whopping 20 months early! Go me!

    Next up is OHs debts. I won't consider us off the hook until these are gone.

    He's currently got a CC at £1800 (was £2500 as per the 100 day challenge and we're working for this to be gone asap) and a personal loan for his car at £3800 ish. For simplicity I've called the debt £5000 and this will be my next dfbxmas target.

    Feeling happy and i'm not finished yet!
    :rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
    SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/15
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Hi jonesy

    I have just read through the whole of your diary and feel inspired. Your organisation and attention to detail is fab. I hope some of it has rubbed off.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Jonesy88 wrote: »
    I AM DEBT FREE!!!!

    EEEEEEEEEEEEEEEEeeeeeeeeeeeeeeeeeeeeeeeeeEEEEEEEEEEEEE!

    You magnificent jonsey!

    Good luck with Mr Jonsey's debts, you both are brilliant and you will do it! :beer:
  • Jonesy88
    Jonesy88 Posts: 959 Forumite
    Debt-free and Proud!
    Yes I am indeed brilliant :D

    Aww thanks parsniphead! Some say attention to detail, others say OCD, but I like having a plan, it gives me structure and makes me feel more in control.
    :rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
    SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/15
  • ScattySkewbald
    ScattySkewbald Posts: 518 Forumite
    Wow fantastic news!!! Well done you!
  • Jonesy88
    Jonesy88 Posts: 959 Forumite
    Debt-free and Proud!
    Thank you :)
    :rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
    SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/15
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Great news Jonesy!! :D xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
  • Chrysalis1976
    Chrysalis1976 Posts: 682 Forumite
    Woohoo I'm always proud when someone becomes debt free, well done you and I hope the house sale goes through without hassle xx

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • Jonesy88
    Jonesy88 Posts: 959 Forumite
    Debt-free and Proud!
    Thanks debtfreewanabee and Chrysalis :)

    I hope the house sale is hitch free too. We've had a letter from V!rgin saying they are coming to install their service in mid-August as agreed with the lady who's buying, so i'm taking this as a positive that she's not going to back out.

    With the sale in mind I've thought of some house related goals to work towards (hopefully before we move into our newbuild):

    1. Get overall deposit of £20k (we should have about £18k after selling fees).
    2. Save £3k for purchase fees - this includes stamp duty and quotes only come to £2200 but solicitors always seem to cost more than you think.
    3. Save £3k for new appliances and bits for the new house.
    :rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
    SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/15
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    :money::money:

    Really excited for you jonsey! So glad you are doing so well!

    Remember that you could open 2 TSB accounts (each) to get 5% before tax on up to 2k (per account) for your additional deposit and fees savings. All you have to do is pop £500 in each month (and then transfer it straight out).

    Nothing to do with anything, buuuut just murdered a wasp in my room. So hardcore. :cool:
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