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Debt free before August 2023

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  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are doing well on reducing your overall debt. Good choice to build your EF back up.

    I hope you get your ideal job soon. Have you written down exactly what you're looking for so your unconscious can start its search?
    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 6/7/25
  • twiggy86
    twiggy86 Posts: 2,677 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    You've done incredible! I know how you feel about wanting it all gone yesterday! It's worse for me towards the late middle of the month - I get very frustrated and impatient! Must keep plodding along though!

    Thanks for mentioning Zipzero - hadn't come across that one but I've now downloaded!
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £6,450.00
    Total paid off - £9,150.89 (58% paid off)
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    You are doing well on reducing your overall debt. Good choice to build your EF back up.

    I hope you get your ideal job soon. Have you written down exactly what you're looking for so your unconscious can start its search?

    Thanks saving holmes I have wrote down in my gratitude journal that I wish to find a job that I enjoy which is 9-5 min-fri and that pays at least £200 more a month after tax than what I earn now, but maybe I need to be more specific? I don't live on the biggest most dynamic place so decent salaried jobs are far and few between.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    twiggy86 wrote: »
    You've done incredible! I know how you feel about wanting it all gone yesterday! It's worse for me towards the late middle of the month - I get very frustrated and impatient! Must keep plodding along though!

    Thanks for mentioning Zipzero - hadn't come across that one but I've now downloaded!

    Thanks for popping by twiggy86 thank you sometimes it's doesn't feel like I'm doing incredible but it's lovely to hear! Yes middle/late month is torture!!!!

    No problem I spotted it on someone else's diary and downloaded it, it seems to build up quite quickly excited to get to my first £10 and pop it against a bill. You don't have to wait until £10 I think you can do it at any point.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Eyebright
    Eyebright Posts: 1,019 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    Ooooh you will be so excited when your loan dips below £15k. Not long now :j
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    I'm sooooo excited! Feels so far away still but hopefully I can get it here sooner rather than later :)

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Eyebright
    Eyebright Posts: 1,019 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    You've got it in your sights now, there'll be no stopping you!
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Poppy

    I would be more specific about your job hunt. When do you feel most alive - how could that relate into a job? Do you like time alone or in a group or a combination? What management style gets the best from you? etc
    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 6/7/25
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Eyebright wrote: »
    You've got it in your sights now, there'll be no stopping you!

    Thanks hun feels like such a slog but it will be so worth it.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Hi Poppy

    I would be more specific about your job hunt. When do you feel most alive - how could that relate into a job? Do you like time alone or in a group or a combination? What management style gets the best from you? etc

    Ah right I see what you mean, no I certainly haven't been that specific mainly because I can't even answer those questions! Hmmm need to have a think and do some brainstorming.

    I think I feel most alive when helping people, and enjoy a mixture of independent and team work projects. Management style I don't like to be micromanaged but I'm happy to be accountable and have set targets to meet etc.

    Thank you for the food for thought, I'm going to explore these ideas further.

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
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