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Debt free before August 2023
Comments
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You’ve been incredibly well, look at how much debt you’ve paid off!!Even if the year end doesn’t happen, you know you’ve done all you can. You’ve got so much to be proud of and we’re all cheering you along the way!
AspirationApril 2020 - £102,222 Loans/CC’s.
Jan 2022 - £0
Cleared - £102,222
Jan 2022 - Now time to build suitable investments and a business!1 -
Thank you so much @Aspiration 😃😃 it's lovely to hear I'm being cheered on being in debt can be a very lonely place indeed!Aspiration said:You’ve been incredibly well, look at how much debt you’ve paid off!!Even if the year end doesn’t happen, you know you’ve done all you can. You’ve got so much to be proud of and we’re all cheering you along the way!
AspirationSo lucky to have found this forum it has helped me a huge amount over the years.19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉3 -
Not long now. I have had a hiccup in my progress too. Keep ploddingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/250 -
Sorry to hear you have had a hiccup @savingholmes you will be there soon I'm sure! We both have the end in sight now!!savingholmes said:Not long now. I have had a hiccup in my progress too. Keep ploddingPoppy
19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉1 -
Let's keep cheering each other on. One day it will be gone!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/250 -
Hi 👋
Just a monthly update from me, life is so busy at the minute but I still want to keep updating my diary.My new debt total is £3,688 I'm getting soooooooo close to becoming debt free and I am super duper excited about that!!!!! My new debt free date is now March 2022 😁😁😁 I'm still really hoping for the end of this year but won't be too worried if I can't make that goal as it's only a few months later anyway.I honestly can't wait to be debt free, I can't quite believe it's becoming so close! To anyone just starting out or if you're reading this and you haven't started to tackle your debt yet and you feel like you'll never be debt free I honestly thought I was going to lose everything when I was up to my eyes in over £30,000 in debt I never ever thought this time would be possible but it is! And you can do it too!Poppy19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉5 -
Absolutely delighted for you getting ever nearer to that debt free date. You have worked so hard to get where you are so well done 🙂 xPoppy1984 said:Hi 👋
Just a monthly update from me, life is so busy at the minute but I still want to keep updating my diary.My new debt total is £3,688 I'm getting soooooooo close to becoming debt free and I am super duper excited about that!!!!! My new debt free date is now March 2022 😁😁😁 I'm still really hoping for the end of this year but won't be too worried if I can't make that goal as it's only a few months later anyway.I honestly can't wait to be debt free, I can't quite believe it's becoming so close! To anyone just starting out or if you're reading this and you haven't started to tackle your debt yet and you feel like you'll never be debt free I honestly thought I was going to lose everything when I was up to my eyes in over £30,000 in debt I never ever thought this time would be possible but it is! And you can do it too!Poppy2 -
Thanks so much @FootyFanDan 😁 how are you getting on? Are you debt free now?FootyFanDan said:
Absolutely delighted for you getting ever nearer to that debt free date. You have worked so hard to get where you are so well done 🙂 xPoppy1984 said:Hi 👋
Just a monthly update from me, life is so busy at the minute but I still want to keep updating my diary.My new debt total is £3,688 I'm getting soooooooo close to becoming debt free and I am super duper excited about that!!!!! My new debt free date is now March 2022 😁😁😁 I'm still really hoping for the end of this year but won't be too worried if I can't make that goal as it's only a few months later anyway.I honestly can't wait to be debt free, I can't quite believe it's becoming so close! To anyone just starting out or if you're reading this and you haven't started to tackle your debt yet and you feel like you'll never be debt free I honestly thought I was going to lose everything when I was up to my eyes in over £30,000 in debt I never ever thought this time would be possible but it is! And you can do it too!PoppyPoppy19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉1 -
Well done Poppy, that’s amazing progress ⭐️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Thank you @WinterWarrior 😁😁😁WinterWarrior said:Well done Poopy, that’s amazing progress ⭐️19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉1
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