Mission: freedom!

in Debt Free Diaries
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  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    I can confirm that white spirit does not work on decking!
    Spent another couple of hours scraping this eve but I've now given in and purchased a sander from ebay. 20 pound for a 40 branded sander... quite pleased with that, and if it works well worth it.  I shall justify it by using the savings on not going to garden centres this month!

    Interview at work tomorrow for a different post, quite nervous, especially as due to covid the interview will be video conference instead of in person. I'm not good with technology, hope it goes ok with no hiccups!
    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
    ✭✭✭✭✭
    Good luck on the interview. Just remember the interviewers will be as nervous about the tech as you are.
    The sander sounds like a bargain.
    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
    Got the new role. Wahoo!
    Also with a couple of days until payday the account is still looking rather healthy. Admittedly some of that money is money that's not been taken due to cancelled swimming lessons, dance classes and various clubs for the kids but not all of it.  Just shows how much I fritter away of nothing when the shops are open. 
    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
    ✭✭✭✭✭
    Congratulations on the new job and getting to payday with money in the bank.
    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
    Well I was under the impression that the new role was some distance into the future, certainly after the coronavirus situation had settled, but I've been asked to start next week. Eeek. 
    Issue is that I currently wear a uniform for my role. New role is smart casual office wear. I do not have any  smart casual office attire and all the clothes shops are shut. Hoping that asdas clothes section is still open to get some basics. 

    Money- wise I've had a chat with DH. He isnt so on board with paying down the debts but is happy to save money instead. 
    I guess I see his point- if we have a large emergency pot we shouldnt need to take out any credit in the future for anything. So we have compromised. We shall put a small amount of our healthy surplus this month to overpayments. The rest will go into the savings fund. 
    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
    ✭✭✭✭✭
    Hope you sort some suitable clothes at Asda - otherwise could any local friends leave out a bag of clothes for you? I bet lots of people have been having a sort out and would be grateful to pass it on. Saving a decent emergency fund is logical in the current crisis - that way you know you can cover your mortgage and main bills. I am torn over OPing on the mortgage and repaying debt versus saving but I repay more than I end up saving - so for me it is safer just to clear debt. I have a CC which is due to end its 0% in June/July - so that's our current focus.
    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
    Hope the end is in sight the for the cc Holmes!

    I have ordered some clothes online in asda (4 out fits for £80- not bad!). Just hope they arrive in time. 

    Payday tonight and finished with an extra £500 in the account from no kids club, days out etc.  Straight into the emergency fund, result. The kids are actually really enjoying the simpler things in life, picnics in the woods etc. 

    Got to brave the supermarket tomorrow. Eeek! 



    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
    ✭✭✭✭✭
    £500 saved is great. An emergency fund right now is fab too. Hope the new clothes arrive in time.
    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 start on monday.... no sign of the new clothes 😯😯😯
    I've had a search through my wardrobe and found a couple of suitable dresses but will need to pop to a big supermarket over the weekend for tights etc...argh! Had hoped to avoid going to the supermarkets but have little choice.

    Made an overpayment of 40 to my tesco loan today to round it down to under 9k. 

    On the downside we have noticed a small leak in our roof. The old owners must have known about it as they had put tarpaulin down in the loft. When we investigated it there was water lying on top 😡. So it's not an urgent job as obviously been leaking for at least 3 years , but something to sort out after lock down. Hope it isnt too expensive to fix!
    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




  • AspirationAspiration Forumite
    508 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Ponylover said:
    I start on monday.... no sign of the new clothes 😯😯😯
    I've had a search through my wardrobe and found a couple of suitable dresses but will need to pop to a big supermarket over the weekend for tights etc...argh! Had hoped to avoid going to the supermarkets but have little choice.

    Made an overpayment of 40 to my tesco loan today to round it down to under 9k. 

    On the downside we have noticed a small leak in our roof. The old owners must have known about it as they had put tarpaulin down in the loft. When we investigated it there was water lying on top 😡. So it's not an urgent job as obviously been leaking for at least 3 years , but something to sort out after lock down. Hope it isnt too expensive to fix!
    Good luck with the new job!!

    Hopefully you know a good roofer who can fix. We had a leak and it was actually quickly resolved once we found a good roofer, but it took one v bad one until we found a good one. Fingers crossed it’s only a quick fix required.
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
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