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New plan...time to see some movement!
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Such a brilliant update jwil. Well done on being so self aware and realising how successful you've been and how much change you've made! You're a champion.
I cannot believe you haven't had a tree up for 10 years.
And I had no idea about the drying time on that paint so I'm sorry i didn't warn you.
Totally fantastic update xxxxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138000 -
That's the great thing about keeping a diary. You can see how far you have come. Congratulations
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Well done jwil. You’re doing great. I’m sorry you’ve been in a dark place this year, well done for overcoming your obstacles. You have come so far. You should be really proud of yourself GE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
Such a brilliant update jwil. Well done on being so self aware and realising how successful you've been and how much change you've made! You're a champion.
I cannot believe you haven't had a tree up for 10 years.
And I had no idea about the drying time on that paint so I'm sorry i didn't warn you.
Totally fantastic update xxxxx
Thank you We've had a tree, just a very small one, not our nice 6ft one which I love.
It's not a problem about the paint, I knew it would take ages to dry, I wanted something that would last. Already it's easier to clean and move stuff around, it looks so much better. I just need to redo the last section as I forgot where I had painted and stomped all over it leaving footprints :wall: :rotfl::rotfl:doingitanyway wrote: »That's the great thing about keeping a diary. You can see how far you have come. Congratulations
Thank you, yes, I like to look back over my diariesWell done jwil. You’re doing great. I’m sorry you’ve been in a dark place this year, well done for overcoming your obstacles. You have come so far. You should be really proud of yourself
Thank you TC, it's so different this Christmas, it's lovely "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 McGee0 -
*Sigh* I've had a demand from HMRC to pay back my tax credit overpayment. That's just shy of £300. Happy Christmas to them!
I knew I owed it, I just guess I expected they'd ask for it at the end of the financial year so thought I'd have a bit longer.
I'll add it to my list of debts so at least it will look like I've paid off a nice bit."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 McGee0 -
Can you pay it back in tiny instalments?If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Not being glib but it’s only money. Compared to what you’ve dealt with so well over the past year, this is doable. Plus you can tell dh you need the money generated from sales and you may get rid of a few more bits and piecesMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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doingitanyway wrote: »Can you pay it back in tiny instalments?
I don't know, I'm just going to find the money and pay it, I'd rather be shot of it. At least it's coming up Council Tax-free months, so that will cover it.in_need_of_direction wrote: »Not being glib but it’s only money. Compared to what you’ve dealt with so well over the past year, this is doable. Plus you can tell dh you need the money generated from sales and you may get rid of a few more bits and pieces
You're right, it's just annoying. A few years ago it would have been a crisis, now it's an annoyance. That's a good thing Will definitely try and get some sales to cover it though "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 McGee0 -
Sorry about the tax credits but it's lovely about having room for the big Christmas tree.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
You sound in a much better place. Well done on the decluttering and making room for a big tree.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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