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2020: Becoming a Saver, Not a Spender

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    Well, that was a whirlwind morning but all squared, OH keeps all the refund money and I don't owe him a penny for the first time in years which is a nice feeling :) so that debt is cleared and along with the DD's that have gone out this week, my debt repayment total stands at £917.63/£5500.

    Nearly £1,000 repaid :D:D 
  • beanielou
    beanielou Posts: 95,389 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    SSDD23 said:
    I have tentatively and light heartedly suggested to OH that the figure that would be my "half" of the energy refund and the amount I owe him are the same amount, so we could just call it even e.g. he doesn't give me any money but then I don't owe him anything either. Will report back when he responds, hopefully to announce I owe him nothing and my debt paid figure is £290 higher :)
    Proud of you 👍 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,389 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    & a great great result. 😀
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    beanielou said:
    SSDD23 said:
    I have tentatively and light heartedly suggested to OH that the figure that would be my "half" of the energy refund and the amount I owe him are the same amount, so we could just call it even e.g. he doesn't give me any money but then I don't owe him anything either. Will report back when he responds, hopefully to announce I owe him nothing and my debt paid figure is £290 higher :)
    Proud of you 👍 
    Thank you beanie, I feel a bit proud of me too haha I hate having conversations like that :joy: 
  • feeldaburn
    feeldaburn Posts: 32 Forumite
    Tenth Anniversary 10 Posts Name Dropper
    SSDD23 said:
    Well, that was a whirlwind morning but all squared, OH keeps all the refund money and I don't owe him a penny for the first time in years which is a nice feeling :) so that debt is cleared and along with the DD's that have gone out this week, my debt repayment total stands at £917.63/£5500.

    Nearly £1,000 repaid :D:D 
    Glad that worked for you!
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result
    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
  • jwil
    jwil Posts: 21,846 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result on the refund :)
    "If you can dream it, you can do it". Walt Disney
  • DancingInTheRain
    DancingInTheRain Posts: 1,374 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Awesome news, what a good result! Well done you 💪 xx
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Amazing!!! Well done, you are smashing it

    poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    Thanks everyone :):) 

    Had a lovely weekend, we had the kids yesterday and overnight and had a great day with them, today I went to put up the pool OH got from Tesco yesterday but don’t have a pump so spent most of the day indoors but have done:

    - a tip run this morning 
    - food shopping as we were out all day yesterday 
    - done ALL of the washing and dried on the line
    - done all of the ironing 
    - hoovered and mopped downstairs 

    I now have my feet up waiting for my dinner to finish in the oven, then will put fresh sheets on the bed before having a relaxing soak in the tub. I want to get to work early tomorrow just to make sure everything is in order before my trainee turns up, so need to be organised enough tonight. 

    Hope everyone has enjoyed the sun xx 
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