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Just Keep Swimming...
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Well done on the low spends, I keep trying NSD's and I just struggle with them, maybe i'll set myself a weekly allowance instead and try to stick to that. I'm just riding the waves until pay day too. December pay day was early and so it just feels like the longest month of all time Lol xGoing into 2019 owing £27, 789.94 :eek:
£83.50 / £27, 789.94Paying off debt so we can buy our forever home :www:0 -
Wow over a year since I last posted! I haven’t lost my way completely just occasionally took some longer roads, and to do date we’ve paid 26% off yaaaaay!! Still way to high a figure, but we have two loans which end in April and from then on we will have £600 to throw extra at the debt which should see it nicely start to tumble...
Not going to lie, it’s been hard limitin ourselves, but we both know why we have to do this... I think in a year when we’re down to 6 debts from 9 and a smaller balance we will both feel better!
I was lucky to get some money from my grandparents which I’m not going to lie I used on lots of outings (so day trips, weekend breaks) all things to help keep the months not as long... should make the year go quicker! Yes it could have gone of the debt but would have only knocked three or so months of but this should make our year go smoother... all being well!
We do stick mostly to our budget now... mostly! Food seems to be the easiest to go over, especially with those darn special buys (the cat did really need a teepee!) ��
Ok enough rambling for now, off to read some more diaries I go! XJust Keep Swimming
Paid: 26%/100% :beer:0 -
Welcome back. Look forward to seeing you progress.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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