I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.3K views
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  • in_need_of_directionin_need_of_direction Forumite
    6.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Great that you now have a date. Be sure to share your new knowledge with the rest of us.
    Mortgage at 01.01.14 £119,481.83:eek: today £53255.18 Offset fund today 2833.03 0
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 2lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Great that you now have a date. Be sure to share your new knowledge with the rest of us.
    I will for sure!

    I've signed up to Sky fibre optic broadband, £26.50 for calls and unlimited internet, and even though I only just left Sky, I got £85 through topcashback :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Well it's holiday time again, I'm going to track the spends on this holiday to an inch of my life!
    This is it so far

    Car parking 22.8
    Goreme Hotel 16.5 Flights International 95 Istanbul hotel 59 Internal Flights 52.13 Balloon ride 110 Total £355.43
    It has cost a bit more than I thought, but until you write it all down you don't know. This includes 5 nights accommodation, 4 flights and a balloon ride so not bad so far.

    Have a good week all
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • safehousesafehouse Forumite
    710 Posts
    Fifth Anniversary Combo Breaker
    ✭✭
    :D Happy Hols Skinny......enjoy the balloon ride, :D
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Seems an age away now, but the holiday was just fab, and the balloon ride an experience of a life time.

    Car parking 22.8 Goreme Hotel 16.5 Flights International 95 Istanbul hotel 59 Internal Flights 52.13 Balloon ride 110 spends £325 (included some xmas pressies) Total £680.43

    OK, not the cheapest holiday in the world, but as far as value for money goes, I'm very happy :)

    More update later my batteries about to die - moving on Saturday finally :T
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    OK pension update
    I've listened to 2 very interesting (er not) pension advisors and are really none the wiser. I think I'll just make extra payments into my original pension than take out a new one, save all the hassle. i know I need to build up a big enough pot that when i withdraw 25% tax free it will clear the mortgage, so that's something to aim for.

    4 hour work week
    Well an interesting book, but you really have to put your self out there. it involves not just thinking out side of the box but acting too, He suggests going to the shopping centre and seeing how many phone numbers of the opposite sex you can get by simply walking up and asking them. Also by randomly lying down in a crowded place. Apparently it's good practice for throwing off the inhibitions, which I sort of get, but not for me!
    I also wasn't comfortable with his ideas of taking time off sick to work on other stuff, and pretending to be a big company when you're a 1 man outfit.
    But there was some good stuff in there 2, like only checking your email twice a day and taking mini retirements throughout your career - quite liked that.
    His philosophy was that if you were suddenly forced not to work, you would manage somehow and other doors open, because you have to make them, I guess it's a bit like having a light bulb moment.

    Other stuff
    My new fire place is in, looks fabulous :) I paid with my CC to get cash back and then immediately paid off the CC in full :A
    Moving day has finally come, well on Saturday. Only some of the furniture is coming back as I want to finish the living room before everything comes back.
    The place is a complete mess and filthy :( I also discovered a large crack down 1 wall, so I've made an insurance claim, fingers crossed that it pays out.

    Still haven't got my deposit back, must ring DPS tomorrow

    I've been living very frugally (I think!) Free cereal at work for breakfast, soup from the staff canteen for lunch £1 and Aldi ready meal for tea £1.59. :rotfl:
    That'll all change when I move back in with the sproglets on Saturday.
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Hi Skinnylatte, I've just joined after reading your diary on the train home last night - total inspiration THANK YOU!
    Lots of luck with your new house! x
    £1000/£1000 Emergency Fund
    Credit Card 1: £5,671 / £9,500 [STRIKE]Credit Card 2: [/STRIKE][STRIKE]0/£9,000 [/STRIKE]
    [STRIKE]Credit Card 3: £0 / £2,500 [/STRIKE] [STRIKE]OD: £0/ £3,000[/STRIKE]
    £18,360 gone! :j
  • in_need_of_directionin_need_of_direction Forumite
    6.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Best of luck with the insurance claim and with the move. You must be so happy to get your own house back.
    Mortgage at 01.01.14 £119,481.83:eek: today £53255.18 Offset fund today 2833.03 0
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 2lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
  • safehousesafehouse Forumite
    710 Posts
    Fifth Anniversary Combo Breaker
    ✭✭
    Oh yes your kiddies will help you spend your pennies as does my DS, especially as it is very difficult to say the word NO lol.............................
    Happy moving day....:T
  • Ali-OKAli-OK Forumite
    4.1K Posts
    Part of the Furniture Debt-free and Proud!
    ✭✭✭✭
    There was me thinking, I bet Skinny gets some great outcomes from her IFA meetings. I'm ending up doing the same as you and putting more into current pot.

    Good luck for the move on Saturday and sounds like you've got plenty to do there that will keep you busy for a while :)

    Any advance with DPS?
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
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