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Prosperous soul in the making
Comments
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I love the way you had paid the credit card and money shuffled within 17 minutes of your pay being available in your bank! You are a heck of a motivated woman 👏5
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You are doing well and great that the last remaining debt will be gone in a few months.
I am an avid reader too and read on average 2-3 books a week but obviously being retired and given we cannot do that much else at the moment that may drop once things are more normal. I enjoyed your book SH and even though fantasy not normally my genre I got really drawn into it. I did put a review up so glad those are helping.
The post at the moment is really slow so that might be why your Mothers Day present was delayed. I posted my daughters birthday present a week before her birthday first class and she still didn't get it until the day before.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£451.50
Save £12k in 2025 #1 £12000/£124507 -
Everything is hyped up including Easter and Christmas, it's so far removed from what it represents and are monetary celebrations rather than the religious side for most people; I know you don't fall into that category SH, it's ease of the comparison reference. However, it's the way nowadays.
Well done for taking a chunk of debt off, I'm cheering you on to through the final push to your DF date.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks Blackcats. Happy to be a motivated woman.
Thanks so much ES reviews make a massive difference. So glad you enjoyed my book.
Thanks MF. It is finally starting to feel real. Freedom is coming.... Will then tackle EF, mortgage neutrality and freedom fund & pensionsAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
Well done on the payments! Glad you had some treats yesterday."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Great stuff on the overpayment!
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 -
Well done on the overpayments you are doing great !4
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Thanks Jwil, Lucielle and Designingalife
Had an okay day today although DD got a bit overwhelmed by substitute exams happening straight after Easter - despite government promises of no exams... DS got me some tulips today - some red and yellow ones - they look lovely. I've done some social media marketing instead of writing - aka time stealer - but it created a mini-40 second video. I am building up my skills either way. Will come in handy for work as well at some point.
Money is okay - given today's pay day - ticking along until Friday when target CC should bit the dust. Really hoping DH gets paid his overtime - it wasn't in last month's pay but should have been and he's done more that he's claimed for since then on top - so here's hoping. They normally only publish the wage slip the day before so doubt I'll know more until Thursday,
DH finally got his flu jab. He really needs to get a normal GP appointment though as he's sleeping terribly. Off to bed soon myself...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/258 -
Video sounds a great marketing idea.
So much progress on those pesky CC!
Are you planning a DF party?If it's not adding up, compound it!5 -
No point forcing yourself to write if you will end up doing it all over again, at least you've done something related to it, that's the main thing.
Fingers crossed for Friday.Mortgage started 2020, aiming to clear 31/12/2029.4
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