I will never be £16,676.84 in debt again

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  • mrsonions
    mrsonions Posts: 42 Forumite
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    Thank you @savingholmes!


    I am finding bringing in lunch from home every day really helps with the money saving. I do buy the odd coffee but I have just brought the Nescafe sachets and had one this morning, it wasn't great though :(


    I must stop going to the sales and buying the odd item for DS! He really does have plenty of clothes now!


    I did buy myself a £10 top which I first tried on last year and didn't buy because it was £29 so treated myself. I think a year is long enough to wait!
  • mrsonions
    mrsonions Posts: 42 Forumite
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    Just cashed out £50 from Yougov - that took years to get to! :rotfl::rotfl::rotfl:
  • mrsonions
    mrsonions Posts: 42 Forumite
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    Also - payday tomorrow and have overpaid £250 to the credit cards, so that's just £500 paid off the cards this month.


    New debt total is £14,119.42.
  • savingholmes
    savingholmes Posts: 27,544 Forumite
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    Congrats on debt repayments
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
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