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indigowarrior baby steps.
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Nothing at moment. I have decided that once I am debt free I am going to treat myself to a top of the range smart phone. I am hoping to have earned quite a bit in Amazon vouchers by then.No Spend November 2/15 and SPC 1340
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indigowarrior wrote: »Nothing at moment. I have decided that once I am debt free I am going to treat myself to a top of the range smart phone. I am hoping to have earned quite a bit in Amazon vouchers by then.
just popping on to wish you luck and well done on your progress so far :T that will be a great treat to look forward to :jpaid off £27,527.47 debt free journey began Nov 2017 DEBT FREE 13.09.2019!! EF £3500/£50000 -
well done so far keep goingDebt £10k , HMRC £3K old debt £4k Jan 2021
Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
Travel plans New York 2021 New year cancelled due to covid0 -
Great idea on the treat! Just make sure you check the expiry on the vouchersEmergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.790 -
Its added to my giftcard balanace. I think it expires in two years. I am hoping to be debt free in 14 months providing income stays the same.No Spend November 2/15 and SPC 1340
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Its 10 years! PhewNo Spend November 2/15 and SPC 1340
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Good to know! I wouldn’t want you to miss out :-)
As an aside, I noted that you have a disability and mobility issues but are paying bus fares. Are you not entitled to a free bus pass? I have one because I have epilepsy. I get some very weird looks from bus drivers!Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.790 -
I am going to apply once I get my PIP decision. If I get the mobility rate that is. I phoned Thursday and they still hadnt sent it to the decision maker.No Spend November 2/15 and SPC 1340
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Well done on your progress so far. At 89% interest I would want to clear that debt rather than save although I can see there are benefits to an emergency fund...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 10/10/250 -
I'm also applying for PIP. I have epilepsy and require supervision when cooking and bathing, and to manage my medication. I have been advised to do so by an epilepsy charity, as I apparently meet the criteria. I am not too sure. I bet the assessors take one look at me and think I am at it. I wish I was...Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.790
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