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Crunchy pays off the loan early, and other stories

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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 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far


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Comments

  • Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • 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.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Great to see you back with a shiny new diary.
    Take care xx
  • 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 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • 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
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the rest of your journey.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sarahwithlove
    Sarahwithlove Posts: 3,322 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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 - £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/
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