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Doris's 712 Day Journey

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  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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"



  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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"



  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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"



  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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.
    How come no pay in Nov or Dec?
  • 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. 
    I can fully relate to this feeling, I’ve only had it a few times but it makes you feel so incontrol. 

    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!
  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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.
    How come no pay in Nov or Dec?
    TheAble, just reread what I wrote. Last but one before Christmas will get paid then on  December 31st.

    "Make Everyday Count"



  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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. 
    I can fully relate to this feeling, I’ve only had it a few times but it makes you feel so incontrol. 

    Well Done, these things show the changes you’ve made are becoming permanent!! 
    @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.

    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress. Definitely wishing my car savings pot was bigger
    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
  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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"



  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
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