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EH - Essex > Hebrides...the next step of the adventure?
Comments
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Everything seems under control your end
Need to do a bit of finance shuffling this end now the other half will be on sick pay for a week or so.
Shouldn't be a problem though.4 -
Ugh yes - what a pain RS, although good that you're in a position to cope with it. It's not really as though he can do his job from home, is it!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
He would struggle 4
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So organised. This is what I want to be like one day.
Pleased you had a good break. Those photos though -so good. What camera is that?Debt Jan 2017 = £42kMay 2022 = £15k4 -
Nope - it's all an illusion - in real life I'm far more like the bottom half of the swan rather than the serenely gliding top...boxofpaws said:So organised. This is what I want to be like one day.
Pleased you had a good break. Those photos though -so good. What camera is that?
Just my phone for the photos - I had my big camera kit with me but it didn't leave the bag once the entire time for various reasons. Phone is an iPhone 12 mini and it amazes me almost daily on how shockingly good the camera is, though. 😁🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
I'm wavering about just saying S0DD1T and clearing my 0% card. The 0% has a while to run yet - it was always going to be cleared early, BUT I suddenly realised my personal current account was a little richer than it technically should be right now because I had forgotten to clear last month's surplus out of it. Coincidentally the surplus is just enough to clear the card...
Pro:
- It will be gone, and I can stop thinking about it
- It means that future survey money can go to my "gym neutral" fund
- it means that from next month the £40 regular monthly payment will be able to be reallocated (to where? Probably into savings ready for my next new phone but that will be several years off yet).
Con:
- the money could be earning a paltry amount of interest if I stuck it somewhere else, while the card is 0%
- I might lose impetus on the surveys etc if there is less "urgency" in the picture?
The first of the cons is actually negated I've twigged by the fact that right now of course the money is sitting in the current account earning NO interest at all, so that may be a non-argument.
Thoughts? Everything says to me I ought to just do it, but I know my impetuous self of old and I want to make sure that's not leading me to miss something obvious against it!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
If you're not 100% sure why not send 50% to the card and tuck the other 50% away. You could always change your mind and use it to clear the card once you're more certain. Personally I would be very tempted to clear the card but can understand your hesitation.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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I would clear the card.
But that's just me and my repayment plans rarely make any sense to anyone else 4 -
Clear the card.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
Another vote to clear the card EH!!!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!3
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