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Drawing a line under the debt. Take two.

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  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So cc application accepted. Should receive it this week. 

    Spent hours painting this weekend. Utility room almost finished and the girls room only needs one more coat on one wall. Will do it Wednesday when she is at work.

    I spent hours at the weekend trying to sort out how to import transactions into some software for the volunteer role. Am actually beginning to regret agreeing to it. I also need to sort something with HMRC for it too. Going to give it another go tonight. Me and the girl finally cracked the importing issue, but I need to do some more research before I do it.

    Otherwise just ticking along right now. Not a lot happening obviously! Need to chase workmen too.
    Debt free Feb 2021 🎉
  • bd80s
    bd80s Posts: 368 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    the amount you are painting is putting me to shame...….I still need to paint my kitchen :disappointed: 
    physical and mental activities, you are definitely like a whirlwind of activity :lol:  
  • Wow , you’ve been busy since the move! It is fun putting  your own stamp on a place.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • just caught up on your diary as been awol.  fantastic news on the move and even better news in being debt free. thats amazing and i am so pleased for you.  well done on everything you have managed to acheive.
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    just caught up on your diary as been awol.  fantastic news on the move and even better news in being debt free. thats amazing and i am so pleased for you.  well done on everything you have managed to acheive.
    Lovely to see you posting again 😊
    Debt free Feb 2021 🎉
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to have plans. New furniture sounds nice and getting the windows done sounds fab too. It's on my list for once we're debt free...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 19 April 2021 at 7:50PM
    Nothing much happening here. Still undecided on bedroom furniture. 

    Received the £500 tax credit payment. Weird system, as although we qualify for wtc, we have a 0 award due to income, but still get this payment. Seems silly, but it will pay for the internal window.

    I was paid so all set aside for the mortgage payment. Will be overpaying from 1st May, need to knock 5 years off it so an extra £250 will be going towards it every month. Will see how we go, but may try some challenges to pay a bit more over time

    Booked a beach car park for the smallest birthday next month. It's all he wants, to go to the beach! Although we are not to far from the coast, (45min drive) actual beaches are not very common. This one is about an hour and a bit away, but is well worth the drive. 

    And finally I had my first vaccine today. Hubby is booked for the 9th. Such a relief tbh, I had originally booked one on the central site during this last lot but it was for a city half hour away as no appointments locally, and long story short, hubby couldn't be booked at the same time (being a non driver is a real annoyance sometimes!) But I wanted it done asap so left it for there. Then last night got the GP text and that system offered first thing this morning at a local venue, so cancelled the other one (was for next weekend so someone will snap it up) and went today. Hubby also had the text but 9am on a Monday with no warning is apparently impossible for him 🙄 anyway keeping an eye out for side effects, but so far all good.
    Debt free Feb 2021 🎉
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