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The Bones
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Congrats to your DH on the new job. Good to have a plan to clear BC. I got rid of mine last month and hope to get rid of DH's BC in January 2020.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 -
Yay for DH's new job! Congrats! Fingers are crossed that stress levels come down and well being improves.
I am another in the camp of getting rid of my BC on November payday. We can celebrate together, I can't wait for it to be gone
Have to ask, whats and AFD?Paid - 7095/26218 - Total0 -
Yay to BC being gone next month, exciting!
When does dh start his new job?
H x0 -
CoffeeCakeYarn wrote: »Yay for DH's new job! Congrats! Fingers are crossed that stress levels come down and well being improves.
I am another in the camp of getting rid of my BC on November payday. We can celebrate together, I can't wait for it to be gone
Have to ask, whats and AFD?
Celebration it is
AFD is Alcohol Free Day x0 -
hugglemonster wrote: »Yay to BC being gone next month, exciting!
When does dh start his new job?
H x
He starts his new job on the 11th November, three weeks to go :j0 -
Afternoon,
Had notification that our 0% deal with MBNA that we took out in April 2016 is coming to an end on 12th December, so I will be looking to transfer the rest of it at the end of November. As much I was hoping back then to have cleared it before the 0% deal, life had other plans.
So with the BC hopefully gone, I will see if I can then BT the remainder over to that or the Lloyds, if I can, then I can see our monthly payments reducing and freeing up some much needed cash.
I can see a glimmer of a light in the far distance, albeit it is very very small at the moment.
I caved in last night and had a beer, with the internet going down every day at work and an annoying colleague coughing and spluttering everywhere I needed it.
I brought my lunch with me again today, more left over chicken risotto. I have one more for tomorrow and my week is done 0 -
Good that you have options to continue tarting for 0% deals. Well done on taking lunch to work - I normally do but failed twice this week - but it was pay week for both of us. We need to be much better for the rest of the month now.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 -
I've found your new diary Purplemum! Sorry I'm a bit late to the party
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Congratulations to DH on his new job, that's fantastic news :T and I hope his stress levels go down now :beer:.
You seem very focused on your goals.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 -
I just realised new diary oops!!xxDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
Congratulations to hubby for his new job. Hopefully the change will help with his health too.
You're doing really well and you must feel great being so close to paying off your BC.Finally Debt Free 24/4/20230
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