Mission: freedom!

in Debt Free Diaries
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  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Just done a financial round up. Had planned to not do one until 6 months in but I am procrastinating about doing some actual house work haha.
    In hind sight I probably should have stuck to the original plan, I'm a bit disappointed with my figures. 
    I could only do mortgage, joint loans and my personal credit card. Didnt want to ask dh to do his as he isnt quite so into this paying off lark and would think I was being obsessive (!).
    I thought with the over payments I may have cleared more. But I guess it just shows how much interest I pay on the mortgage which spur me on more! 
    £2,134 paid off of mortgage balance, personal credit and joint balances in two months. 
    On plus side savings have risen. 

    Can anyone tell me how to do a signature? 
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    17.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    If you go to the top right - under the main bar there is a little circle with the word profile under it. Click on that and it will take you to settings - on the left hand side a menu will then come up with an edit settings feature - click on that and you should be able to add a signature. It may also ask you how many signature lines to show. Hope that helps.

    Well done on the amount you have clared. Keep that up and you will clear over £12K in the next 12 months - £144K in 12 years. It all makes a difference. Keep going.
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Thanks savingholmes...think I've done it thanks to you  :)

    As a key worker I'm still at work and life seems fairly normal, which is a good thing. 
    Spending wise this isolation is excellent... I will be very interested in what the bank balance is at the end of the month without all the garden centre/ afternoon out type spends.

    I should be on holiday this week in sunnier climates but it wasnt meant to be. The money for the holiday will go it to savings when its eventually refunded. Instead the kids and I have been roasting marshmallows on a camp fire and are spending alot of time doing board games. It's been quite nice! 
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    17.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    You are making me want marshmallows - definitely need to add them to the next shopping list. We have a fire pit so could use the garden furniture I bought last year and sit around it. No longer need to worry about smelling smokey to co-workers either!
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • edited 10 April 2020 at 11:31AM
    PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    edited 10 April 2020 at 11:31AM
    What a beautiful day again! 
    Been very productive and sorted out the paperwork draw this morning. I found DH credit annual credit card statement from afew months ago- turns out its lower than I thought, only by a couple of hundred but still :D
    Slowly renovating the decking and stripping off the old flakey paint ready for reoiling. Taking far longer than I thought but it gives me an excuse to be out in the garden in the sun!
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    17.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I bought some decking cleaner and a special wire brush -but gave up after only doing about a metre. Sounds like you are better than me at that. I may do some more this year - but only if I bought some kind of oil to treat it with afterwards. I did finally finish painting the shed this week - I did 2 sides last August LOL and the rest this week.
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • NaomimNaomim Forumite
    2.8K Posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Our decking needs doing, not sure what to clean it with. Our front door needs varnishing too. 
    Credit Cards
    NOV 2019 £33,220.42
    Dec 2021 £24,651.53

    Tilly Tidy 2022 Total £0
    Here's my diary: A Ditherer's Diary Again
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Dread to think how many hours I have now spent stripping the decking.... the novelty has worn off and I'm seriously wondering if pouring paint stripper on it will work  :#
    There must be a better way of doing it.
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    17.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Commiserations. I gave up after only a metre so it sounds like you've done better than me. 
    Target 1) Clear CC debt - £1644 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    I've done most of it, probably a metre squared to go, plus quite afew stubborn patches that refused to come up on first attempt.
    Trying to find the motivation to try again now...one more cup of tea first...m
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




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