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Comments

  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Well done on deleting the emails. Little steps like that add up
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Woohoo 5 debts gone. Definitely worth celebrating
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Sounds like to good progress. When your OH pulls in the same direction it makes a huge difference
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • financialfreedomkit
    financialfreedomkit Posts: 3
    First Anniversary First Post
    Newbie
    Well done on your progress,
    I’m new here and reading everyone’s stories is very inspiring.
    keep up the hard work 
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Knocking off small debts can be motivating and  you can then roll the payment for that into your next debt. Still keep an eye on your APRs though. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Yes it will be worth it. Paying cash for holidays also means guilt free enjoyment and no nasty after taste. Same principle.

    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Great news on the bonus. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Enjoy your gigs
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Glad your gigs were worth it. Pay day is always nice. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Updating signatures is the best bit. I would have to get the sheer number of debt down. A lot of different account to try and manage.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
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