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Doris's 712 Day Journey
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Spend day needed to get some milk on the way home from work also make a payment of £30.00 to Barclaycard.
"Make Everyday Count"1 -
Good Morning,
Weather is horrible here today, very wet and windy. My car is going for her MOT today along with a service and new break pads. I have been saving my travel expenses every month so there is more that enough to cover the cost in my car pots.
It is also pay day for me, will be moving money around later and making the last payment to Barclaycard. This will be my last pay before Christmas.
"Make Everyday Count"1 -
Car is back from the garage, needs discs as well as break pads, total cost £315.00. I am so pleased the money was saved ready to cover the cost, this is the most stress-free MOT day I can ever remember.
"Make Everyday Count"2 -
Doris17 said:Good Morning,
Weather is horrible here today, very wet and windy. My car is going for her MOT today along with a service and new break pads. I have been saving my travel expenses every month so there is more that enough to cover the cost in my car pots.
It is also pay day for me, will be moving money around later and making the last payment to Barclaycard. This will be my last pay before Christmas.2 -
Doris17 said:Car is back from the garage, needs discs as well as break pads, total cost £315.00. I am so pleased the money was saved ready to cover the cost, this is the most stress-free MOT day I can ever remember.Well Done, these things show the changes you’ve made are becoming permanent!!April 2020 - £102,222 Loans/CC’s.
Jan 2022 - £0
Cleared - £102,222
Jan 2022 - Now time to build suitable investments and a business!3 -
TheAble said:Doris17 said:Good Morning,
Weather is horrible here today, very wet and windy. My car is going for her MOT today along with a service and new break pads. I have been saving my travel expenses every month so there is more that enough to cover the cost in my car pots.
It is also pay day for me, will be moving money around later and making the last payment to Barclaycard. This will be my last pay before Christmas.
"Make Everyday Count"2 -
Aspiration said:Doris17 said:Car is back from the garage, needs discs as well as break pads, total cost £315.00. I am so pleased the money was saved ready to cover the cost, this is the most stress-free MOT day I can ever remember.Well Done, these things show the changes you’ve made are becoming permanent!!
"Make Everyday Count"2 -
Great progress. Definitely wishing my car savings pot was biggerAchieve 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 29/7/251 -
Paid Barclaycard in full yesterday £292.39, not going to cancel the card as I will need make a balance transfer next September. I have deleted the app from my phone, only two CC left to pay off.
"Make Everyday Count"2 -
Fantastic Doris. Well done on clearing another card and getting it gone. I found BC were good at sending balance transfer offers so good call.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 29/7/251
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