We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Bones
Options
Comments
-
Deleted_User wrote: »Thanks AC
Yes hubby has now officially left the disorganised and chaotic company that caused him (and us) so much stress. I officially have a house husband for the rest of the day...well when he gets back from London that is.
New job starts on Monday and new beginnings for him :j:beer::T
That’s fantastic news :jStarting a new debt free journeyStarting Debt: £5,250Current Debt: £4,995.50Amount Paid: £254.50 Percentage Paid: 4.84%Emergency Fund: £3500 -
Great news. Closing the door on stress and chaosIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)0 -
Fantastic - a new start - just what the doctor ordered...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
Great news x0
-
Good news on DH finishing his old stressful job and on the 0% CC transfer.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Great news about the transfer. Good luck to DH x"If you can dream it, you can do it". Walt Disney0
-
Good morning,
Had a busy weekend this weekend. Both kids had their respective Remembrance Parades, so DH and I did the usual divide and conquer bit, DD's turn for the flag bearer this year and she did very well, I was so pleased. DS's squadron was marching behind the Army Cadets and his CO was adamant that they had to march better than them :rotfl: and they did. Very proud Mum
I went to the gym twice over the weekend, although I wasn't up for going yesterday I still went.
I made a cottage pie for dinner and I was going to have any remainder for lunch today but DD had other ideas and has snaffled the rest for Wednesday dinner.
No meal plan done (I know!!!) but DH and I came up with some ideas for this week.
I am holiday on Thursday/Friday this week to get the kids Christmas presents and then they are sorted.
DH started his new job today, I'm hoping that this is the right one for him, but to be fair, it can't be ay worse than the last one.
DS has bag packing with the Cadets on Saturday morning and I need to pick up the tapestry from the framers as well as DD's swimming lesson.0 -
Hope his first day goes well0
-
So first impressions are that the new company is a mile away from the old one
they are so on the ball it's unreal. He turned up and they had everything ready for him and they were raring to go :j
The overdraft has been niggling at me this weekend. Although I can't physically get rid of it yet, I am thinking of opening up a new 'pot' and trickling money into it, so that when we are in a position to get rid of it completely we can do and it would be cheaper to do so. I was thinking of a reasonable interest account so that it earns money too. I was contemplating £10pm to begin with?
I have submitted the meter readings for the gas and electric and it's about £240 in total, I have money in the pots for that so I can transfer that over when the bill comes in.0 -
I cleared my overdraft many moons ago, aka first LBM, I used to put money in a savings account at the start of the month, if I didn't use it at the end of the month I would transfer it back and reduce the overdraft limit, usually every time I reached £50 saved. Also I used to transfer all the money needed for bills into the bills account which would put me to the top of my overdraft the day after payday, by changing it so money was transfered at the start of each week I was able to significantly reduce the overdraft charges each month which helped with saving up to pay off lumps. Maybe you could tweak something like that and it will help clear it.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards