Crunchy pays off the loan early, and other stories

I used to be called crunch_time - but then the forum changed, and I had to face up to my disorganised email address administration.
But its me.  Same crunchy, slightly different username.  Same goal - smash the debt whilst living life to the full.
Crunchy x
Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509
Current Mortgage: £248,218
Goal 1: Overpay £1500 by the end of 2023 £379/£1500




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Comments

  • Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509
    Current Mortgage: £248,218
    Goal 1: Overpay £1500 by the end of 2023 £379/£1500




  • Seasidegal58
    Seasidegal58 Posts: 5,677
    First Anniversary Name Dropper First Post Photogenic
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    Hi crunchy
    Good to see you posting again and well done on your impending nil overdraft!
    Have subscribed and look forward to following you on your journey. 😀
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Hi crunchy
    Good to see you posting again and well done on your impending nil overdraft!
    Have subscribed and look forward to following you on your journey. 😀
    Thankyou!  Must catch up with you too!  How on earth do you subscribe!?
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509
    Current Mortgage: £248,218
    Goal 1: Overpay £1500 by the end of 2023 £379/£1500




  • Good to see you Crunchy, I’d been wondering how you’d got on with your new job. I think subscribing is done bu using the bookmark button.
    paydbx2024 #2 £480/£5000 . Mortgage £144k start ~ £148k Jun 23 -
    2024 savings challenge £5/£2000
    EF £140. Savings 2 £30.00. Weekly savings envelope #17
  • Great to see you back with a shiny new diary.
    Take care xx
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • Thanks honey - I have bookmarked yours and penny and seasidegals diaries for reading later.
    Last night I managed to shave £4 a month off our car insurance which is a money-saving win!  I also did a quote for the other older car.  The insurance is up for renewal next month - it looks like we can save £6 a month from that one as well from switching from fully comp to just third party - we are not planning to spend any more money on it to service it.  It passed it's MOT last month.  We will replace it with something when it dies.  We hardly use it now.
    Today I am making homemade salsa and guacamole for fajitas tonight.  I shall take the children out for a dog walk in a bit and get them to do some crafty bits.  I also have to give the main bathroom a good clean - husband has just finished tiling the floor and walls and fixing a new shower in - all from you tube videos!  Ha ha!  It still needs painting though.  That's the next job.  We also have some trellises coming soon to put up on a fence to increase privacy from our neighbours.  They will need staining and the fence is only halfway through being painted.  There is lots to keep us busy during this lockdown!
    Crunchy xx
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509
    Current Mortgage: £248,218
    Goal 1: Overpay £1500 by the end of 2023 £379/£1500




  • Nice to see you posting again, I think the forum changes caught a few people out.
    Glad tour new job is going well and that you both still have jobs.  Strange times
    Debt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£10000
  • savingholmes
    savingholmes Posts: 26,851
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    Good luck with the rest of your journey.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF)
    2) Mortgage neutral by June 2030 AVC £7,613/£127,466 AVC target 5.97%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Sarahwithlove
    Sarahwithlove Posts: 2,156
    First Anniversary First Post Name Dropper
    Forumite
    Welcome back! Sounds like you have lots of jobs to keep you busy at home at the moment. Good luck with the overpaying of your loan, that's a lo of interest you could save. 
    *Dad loan - £5300 - £3100
    *Virgin Credit Card - £3552.50 - £0
    *Barclaycard - £0

    *Total debt - £3100*

    *Sinking Fund - £1500/£3000*
    *Emergency Fund -£0/£3000

    *Debt Repayments Pot - £0/0*

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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