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Doris's 712 Day Journey
Comments
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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 -
How come no pay in Nov or Dec?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 -
I can fully relate to this feeling, I’ve only had it a few times but it makes you feel so incontrol.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, just reread what I wrote. Last but one before Christmas will get paid then on December 31st.TheAble said:
How come no pay in Nov or Dec?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, thank you. Changes will definitely becoming permanent, next car expenses due on he 15th November and will be going straight into the car savings pot.Aspiration said:
I can fully relate to this feeling, I’ve only had it a few times but it makes you feel so incontrol.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 £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
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 £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251
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