Crunchy pays off the loan early, and other stories

in Debt free diaries
633 replies 45.1K views
crunchy_timecrunchy_time Forumite
467 Posts
100 Posts Second Anniversary Name Dropper
Forumite
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 | £1k EF saved £10k 3-6 month EF saved 🎉
Mortgage Free Wannabe!
Start date 1st January 2023 £257,509
MFW date December 2033
Current Mortgage: £253,996
Overpayment pot: £585 (currently being used as a buffer until I get a steady job)



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Replies

  • crunchy_timecrunchy_time Forumite
    467 Posts
    100 Posts Second Anniversary Name Dropper
    Forumite
    Debt-free Jan 2023 | £1k EF saved £10k 3-6 month EF saved 🎉
    Mortgage Free Wannabe!
    Start date 1st January 2023 £257,509
    MFW date December 2033
    Current Mortgage: £253,996
    Overpayment pot: £585 (currently being used as a buffer until I get a steady job)



  • Seasidegal58Seasidegal58 Forumite
    5.4K Posts
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    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!”
  • crunchy_timecrunchy_time Forumite
    467 Posts
    100 Posts Second Anniversary Name Dropper
    Forumite
    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 | £1k EF saved £10k 3-6 month EF saved 🎉
    Mortgage Free Wannabe!
    Start date 1st January 2023 £257,509
    MFW date December 2033
    Current Mortgage: £253,996
    Overpayment pot: £585 (currently being used as a buffer until I get a steady job)



  • Honeysucklelou2Honeysucklelou2 Forumite
    4.4K Posts
    Sixth Anniversary 1,000 Posts Name Dropper
    Forumite
    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.
    paydbx2023 #36 £420/4300 . 2023 savings challenge £74/£2000 EF £60. Savings 2 £10.00
  • pennywisepoundstupidpennywisepoundstupid Forumite
    5.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Forumite
    Great to see you back with a shiny new diary.
    Take care xx
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £700/£3600
    Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
    CC overpayments £183/£1800
    Decluttering sales £170
  • crunchy_timecrunchy_time Forumite
    467 Posts
    100 Posts Second Anniversary Name Dropper
    Forumite
    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 | £1k EF saved £10k 3-6 month EF saved 🎉
    Mortgage Free Wannabe!
    Start date 1st January 2023 £257,509
    MFW date December 2033
    Current Mortgage: £253,996
    Overpayment pot: £585 (currently being used as a buffer until I get a steady job)



  • ohdearhowdidthathappenohdearhowdidthathappen Forumite
    1.4K Posts
    1,000 Posts Fourth Anniversary Name Dropper
    Forumite
    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 - PP £1.5k, CC £3.3k, car loan £19k. Total = £23.8kNew savings goals: Emergency fund £0/£1000, FFEF £0/£10000
  • savingholmessavingholmes Forumite
    23.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Good luck with the rest of your journey.
    Target 1) Prioritise health & social connection 2) Write regularly 45,509/70,000 words Book 2 and 10,787/70,000 Priestess book 20,000/95000 Memoir Prep 3a) Get to £10K EF/Savings Now £5,591 3b) £1.6K Savings for DD Car (Achieved) 4) MFW starting at £201,999 Nov 21 with 264 248 payments to go. Now £191,648) Mortgage neutral progress via pension £2,787 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • SarahwithloveSarahwithlove Forumite
    2K Posts
    1,000 Posts Fourth Anniversary 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. 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £0.00
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £3800
    *M+S Credit Card - £0
    *MBNA Credit Card - £1211.88 - £0
    *Virgin Credit Card - £3075 - £0
    *Total debt - £3800*
    *Sinking Fund - £2500/£2500*
    *Emergency Fund -£250/£5000*
    *Mortgage Overpayment - £46.90/£1000*
    Premium Bonds - £200/£1000
    Facing Reality - My Debt Free Diary
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