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Twinklie returns - debt free by 2020?

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  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Did Junior parkrun with the kids this morning. I've not run in so long. But we said as soon as the wee man was 4, we'd make it a family activity.


    Its free and it's a healthy activity, so win win. I say it's healthy, I'm really aching. :rotfl:
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 6 October 2019 at 10:45AM
    As of October my current outstanding debt is as follows:
    [Strike] Repayment of maternity leave - was 503.26 / now 0! [/Strike]
    Credit Card - was 598.74 / now 362.12
    Tax Credits OP - was 480 / now 120
    Loan - was 1,627 / now 619
    Current total debt January 2019 = 3,209 / July 2019 = 1,101.12

    34.3% of original debt remains. :D

    Utilities debt is also down to £26. :T


    I did have to pay a £60 parking fine last month though which was not part of the plan. :mad:
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 27 October 2019 at 5:50PM
    Saturday - £2 Dads playgroup and birthday party. £2
    Sunday - NSD Stayed at home and played.
    Monday - Dentist for big, £8.50 breakfast treat (post dentist), £10 softplay. £18.50
    Tuesday - NSD Stay at home play.
    Wednesday - NSD Stay at home play.
    Thursday - NSD Stay at home play.
    Friday - Orthotics appointment (free parking), swimming lessons (paid out of a different pot) & £1.50 playgroup. £1.50
    Saturday - NSD Stay at home play.
    Sunday - NSD Stay at home play.
    Monday - Library, town trip to buy a few things, food shop.

    Fingers crossed I can keep the spends below £50 for the week.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Did a balance transfer from DH CC (a) to a 0% deal on his CC (b). That should go through in the next 2 days. I’m then transferring some of his debt to a 0% on my CC.

    I’ll pay off the CC then and he will pay off the loan (for the car).

    So my debt free journey is going to change from what it was at the beginning of the year and will be extended by at least 12 months.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh I’ve also sorted the utilities and am now on a better deal.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 27 October 2019 at 5:51PM
    Well that was quick, DH's balance transfer has taken place already! So that's something off the list.

    I'm spending today researching under counter freestanding freezers. We have no freezer space at the minute so could really do with some.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 25 October 2019 at 1:54PM
    As of today my current outstanding debt is as follows:
    [Strike] Repayment of maternity leave - was 503.26 / now 0! [/Strike]
    Credit Card - was 598.74 / now 1483.60
    Tax Credits OP - was 480 / now 120
    Loan - was 1,627 / now 619
    Current total debt January 2019 = 3,209 / Oct 2019 = 2,222.60

    69.2% of original debt remains (included new debt added to current outstanding total). :(

    New aim - debt free by the end of 2020.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    £47.35 on YouGov...so close!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • NeverendingDMP
    NeverendingDMP Posts: 2,226 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Your doing well. Keep going. Fingers crssed for youGov.
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 3 November 2019 at 11:39AM
    As of November my current outstanding debt is as follows:
    [Strike] Repayment of maternity leave - was 503.26 / now 0! [/Strike]
    Credit Card - was 598.74 / now 1424.51
    Tax Credits OP - was 480 / now 80
    Loan - was 1,627 / now 493
    Current total debt January 2019 = 3,209 / Oct 2019 = 1997.51

    62.2% of original debt remains (included new debt added to current outstanding total). :(


    It feels good to be back under 2K owed though.

    I haven't got my utility bill yet but I'm hoping to be back in the black with that.

    No new surveys for Yougov so I'm stuck there. I am up to £17.45 on One poll as well. But no new surveys there either. So I'm stuck for now.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
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