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10 years here. My final diary this time!

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  • hugglemonster
    hugglemonster Posts: 1,245 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Kind of sad that this is the first year my kids are both in high school so no concerts or fairs or anything! But also glad that we're not expected to buy anything either, I have brought for some volunteers that help me every weekend and I think 89p for a box of biscuits is not too bad.

    Great news on the debt busting and will be cheering you on to get to that 40k!

    H x
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Under £40K by June sounds a great target to aim for. You seem really on form this time. I am having a bit of a wobble with all the xmas expenses - and it starts a bad habit again as it encourages spending and looking at wants not needs... I need to get back in the right mindset.
    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 29/7/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Evening all. Had a lovely quiet Christmas and the kids were happy with their Santa gifts. H got another bonus so am still dithering over how best to use it. I am dying to consolidate the two loans but also want to put aside some money for the plane tickets to Oz as I don't want to add to my debt.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad Xmas went well. Hope your new year goes as well too. Have you worked out your budget for Oz and how long it is likely to take to save up for it?
    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 29/7/25
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Glad you had a good Christmas and great news on the bonus :-)
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    savingholmes wrote: »
    Glad Xmas went well. Hope your new year goes as well too. Have you worked out your budget for Oz and how long it is likely to take to save up for it?

    We should be able to pay for the flights (or most of them) upfront and then aim to buy a tour/accommodation each month or save between 500-1000.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Happy New Year everyone. Had a lovely NYE with the kids and some friends. Back to reality now from Monday onwards. Managed to achieve my aim of getting under 50k by the 1st Jan. In fact I am now under 49k!!! I am getting closer to joining the 2 loans together and can't wait as then I can really start snowballing the credit cards.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woohoo to breaking though another barrier. You sound organised on your holiday plans too.

    Have a fab new year. I am back to the grindstone on Monday too. I think though that with structure more gets done. It's been lovely having the break though.
    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 29/7/25
  • Cinny91
    Cinny91 Posts: 6,022 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Well done CMD!! That's amazing :)

    Best of luck in 2020, I'm sure you'll keep surpassing your goals :j:j
  • twiggy86
    twiggy86 Posts: 2,679 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Amazing news! What a great way to start the year!
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £5,935.00
    Total paid off - £9,665.89 (61% paid off)
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