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5 months to emerge as a butterfly
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congratulations!!benbenandme said:I got the job
*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
So when do you start
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.1 -
Congratulations 🥳Debt free Feb 2021 🎉1
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Of course you did you are bloody marvellous XXbenbenandme said:I got the jobNevertheless she persisted.1 -
Congrats well done you take it there’s a pay rise included. Well done you.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
Well done 🎉
Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Thanks all, sorry for not replying sooner, end of term has been rather mental to say the least. I started at 6:15am on Thursday (my choice, lots of ends to tie up before the end of term0, then a safeguarding concern appeared at 4 as I was about to leave, ended up staying til 5:30 then it was time to help with the Xmas concert, so finally escaped work at 9:15. Yesterday we were finished by 12:30 so then we all hit the pub. I didn't really drink but didn't get home til nearly midnight. Today I've woken up with the stinking cold that everyone else in the office has had all week, so I'm having a duvet day
Beanielou - I can't start until they've replaced me (can't leave 270 kids on their own ), so it will probably be end of January, early Feb I think.
TallGirl - it works out roughly £2k payrise, fine by me Mortgage Total: £51,801 / £75,000
Mortgage Overpayments Pot £9471 -
thats a good payrise! hope they manage to get a replacement soon for you so that you can get started with the new role.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
So today I'm off to have my hair done - its a 6 monthly treat, takes several hours but is total relaxation time for me Mortgage Total: £51,801 / £75,000
Mortgage Overpayments Pot £9470 -
Today is finishing the Christmas shopping day with my bestie. I need to go to john Lewis to get Mum some cushions, other than that its mainly bits for ds and the obligatory catching up with my mate Mortgage Total: £51,801 / £75,000
Mortgage Overpayments Pot £9471
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