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5 months to emerge as a butterfly
Comments
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congratulations!!benbenandme said:I got the job
*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.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.Moved to Denmark for FIRE by Aug 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 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001 -
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: £49,992/ £75,000
2026 Mortgage Overpayments Pot £5791 -
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 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
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: £49,992/ £75,000
2026 Mortgage Overpayments Pot £5790 -
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: £49,992/ £75,000
2026 Mortgage Overpayments Pot £5791
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