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10 years here. My final diary this time!

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  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Another diary to get addicted too.:j

    At least your debt is for kitchens, etc not just rubbish.

    Looking forward to your progress.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Another diary to get addicted too.:j

    At least your debt is for kitchens, etc not just rubbish.

    Looking forward to your progress.

    Hello! Yes at least I have the car and kitchen to show for it. Before that it was nothing!
    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!
    Had a nice day. Took the kids swimming and went out for dinner afterwards. Then I did a bit of gardening. Wrecked now!
    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
    Healthy kind of wrecked 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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Healthy kind of wrecked though.

    Definitely a satisfied tired feeling :)
    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!
    Evening!

    Two days until the kids go back to school! Have been getting all their school stuff sorted today. I also got a call for a part-time (very part-time) job I applied for and the interview is Thursday. Not sure how I feel about it as I'm used to much more senior roles but I think for the time being I need something less responsible until the kids are older and DD extra needs are sorted re: school. The extra money would come in very handy though.

    The loan came out via direct debit so have updated my figure and am into the 57's now. Always good to go into a new number. Will be able to pay off more when the carers benefit comes through. Have some money in the bank but am hesitant to do so until it does. Will also put €1000 as an emergency fund too.
    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!
    Evening! Got a letter through from carers today so looks like its been processed and hopefully not too long for the arrears.

    Interview tomorrow - am a bit nervous as the lady on the phone said they were inundated but I can only do my best
    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
    Hope your interview goes well. Sounds like they would be lucky to have you. Good that you are building up your EF and making overpayments.
    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!
    Hope your interview goes well. Sounds like they would be lucky to have you. Good that you are building up your EF and making overpayments.

    Thanks SavingH. It's not an area I have a lot of experience of but I want something very part-time until I am happy with how DD is getting on at school and I feel she is supported.
    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!
    Afternoon!

    The interview went well today and I should find out next week. Even if I don't get it, it was a really good experience. It's only 2 mornings per week so would suit me perfectly until I know where I am with DD and the support she requires for school.

    DD and DS started back at school today. All went very well. They went in smiling and came out smiling which is a really good start.

    And in other good news I got arrears for carers so have been able to pay a good chunk off my loan and reduce my debt down to the mid rather than the high 50's and also reduce my debt free date by 2 months! Not every month will be like this but its a great start.

    I'm off to sort out my sig!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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