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Prosperous soul in the making
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Thanks HSL, MF, JwilThe new target cc has no paper statements. I haven't accessed account for over a year. New details haven't arrived yet. Was set as direct debit min payments. Now in position to pay more but won't let me past security. Ridiculous. H**CAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/264 -
Post finally came. I wouldn't bank with them based on this experience though. Paid off another £700. Waiting for DH pay end of the week before can pay more. I was out by a few pence on my balance but not much. Now down to £10862. Getting there...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/265 -
Amazing progress on the cards. Well done!5
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Thanks Blackcats. Got 8th 5 star rating on Amazon. Briefly made top100 in paid books. Have to hope magic of people reading and reviewing will get me back up charts.
Finishing work early today. No concentration. May do more laterAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/267 -
Another one bites the dust! Well done
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
They seem to have a lot of unhappy customers, judging by the comments people make. At least it did arrive and you've started to pay it off. You'll soon be under £10k!
Take it easy, don't try and do too much.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks Lucielle and MF. Check out my competition tonight - to try and nail down 'genre' and 'sub categories' and get to enjoy a good read hopefully along the way.
I think the H**c experience is appalling. with M**A - you could pay your CC through the app. No such option with H**C - you have to pay via your own bank - and therefore need the bank account and sort code details you can only access online / via the H**C app (if you were daft enough like me to go paperless at the beginning and then lose all your log in details - it was a 3 year deal what can I say!!) If you don't have a bank account with H**C and only have a CC all you can do is view your balance. Crazy!! I nearly did a switch to them a year ago - glad I didn't now... If I'd known I couldn't pay through the app I might have found a solution quicker... I still needed to know my exact balance though or how else could I pay it off!!
I have made a nice veg soup today - slightly over did the spice but never mind!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/266 -
Lovely to see the cards disappearing one by one. Hope the spicy soup was warming. I managed to overdo the spice in the curry tonight. I swear I followed the usual recipe, but might have used an actual teaspoon for tea, rather than a teaspoon measure. Me, cooking and tiredness definitely doesn't work."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
Thanks Sandy. We're getting there. DH gets paid Friday - but as far as I know he hasn't submitted his OT claim yet which is irritating. I've done a bit of work on social media marketing tonight both for today and other days. I am experimenting with different methods and will see what works. I also edited a little of book 2.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/264 -
Written another scene of my book 2 - increasing my word count by 853 even after earlier editing some out. Pleased with that. 9th 5* rating. Reviews make the most difference to a purchaser's decision - so very grateful.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/264
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