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2020 - 'Nothing in your life will change until you make the decision to change'
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Well I had paid my £200 and written to them to confirm that it's closed. No hanging around here! I'll be in the £16ks now, but will wait for official confirmation.
Because that's such a low amount (relatively speaking), I'm going to try and replace that cash so that my pots aren't affected. I'll try and earn some (still waiting for £25 from one poll) and cash out on other survey sites. I'll also see if I can claw some back from the grocery budget and try and eat from the cupboards as much as possible."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
My one poll took 28 days to come through.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4 -
DH is in work part of this week training, so it's just me and the kids. Honestly, it's a bit easier as there's one less person distracting me! We managed well today getting the homeschooling done and the only thing they missed out on was their walk, but I sent them to play in the garden instead.
I'm hoping now that we are on the final stretch of getting them back to school, and with a little boost from today's news, that maybe my anxiety will start reducing a bit. I've got a few projects on the go that are stressing me out, and I keep procrastinating, so I'm trying to get ahead with them this week to try and clear as much as I can from my to do list, to hopefully get to some more interesting tasks which lie ahead - much more in my comfort zone.
I got a year's free trial of Apple TV on my ipad, so DH and I have been watching Long Way Up with Ewan McGregor and Charley Boorman. It's good, and we've watched their previous series, so it was nice to be able to see this one too."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
Great great news on the debt
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.4 -
Belated happy birthday to Master J.
My DS is 28 this year.
I have no clue where the time went.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.5 -
Thank youbeanielou said:Great great news on the debt
Thank youbeanielou said:Belated happy birthday to Master J.
My DS is 28 this year.
I have no clue where the time went.
Isn't it amazing how time flies. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Today I have tackled some of the tasks I have been procrastinating on at work. I'm glad I've made some progress, it does make me feel better!
All school work done again, DH is home again the next couple of days so he can take over again and at least the kids will be able to go out for a proper walk again. I did take them to the post box this morning but it's not far.
I've received £10 in amazon vouchers today from surveys "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Thank you, about a week to go then!Sarahwithlove said:My one poll took 28 days to come through."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
Great news that your offer was accepted. What a relief that must be!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Thank yousavingholmes said:Great news that your offer was accepted. What a relief that must be! Definitely and a huge surprise too, I was not expecting that! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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