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10 years here. My final diary this time!
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Ah here! How is 2 months since I posted on here. In my defence I have been logging in most days and reading and commenting on other diaries. All okay here. I aim to be under 30k by the 1st January. It would also be lovely to have both credit cards paid off but I don't want to put myself under too much pressure and fail. Aim for 2021 is to demolish the debt once and for all and start to increase the mortgage overpayments. We currently overpay by €268 per month but would love to have the mortgage gone in 2027 instead of 2042.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20341 -
Caught up on your diary. You are doing so well and even though it went back up a bit this year at least it was on something sensible. Hope 2021 is your year looks like it could be good for us all.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Hope the refunds arrive soon. It will be great to just have one debt payment going out a month. My bank keeps offering me a loan and telling me what proportion of our money is being spent on debt repayment as if I didn't know LOLAchieve 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 -
Popping in to say 'hi', looks like you're doing great, sorry to hear you've had a tough year...DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1
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