LBM: August 2006 - £12,568.49 —— DFD: 12 March 2012
MFD: 30 March 2019
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My 2 year battle to try to keep our home
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That’s fantastic news, I’m so happy for you!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20213 -
Fantastic news! Well done and congratulations 👏»The road to DF is long and bumpy » Greensaints3
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Excellent news, congratsLBM Debt Total : £48,326.50
Pay All Your Debt Off By Xmas 2023 - #50 £1,495.29 / £12,000.00
Saving For Christmas 2023 - £1 a day challenge - #6 £100/£1095.003 -
On a slightly grumpier note, the twins tested positive for covid last Wednesday. The boy twin went back to school today after 2 negatives and the girl twin looks like she has her first negative today but I tested at 6am this morning, it looked negative so I jumped in the shower but when I got out it was a definite positive
At least now I know I am not being over dramatic about being shattered and having a sore throat plus aches and pains.
As a positive I will save about £45 on petrol by not having to commute to work.Also, my ghd straighteners are on their last legs and the wire is about to snap. My friend recommended a boots pair that are £79 down to £29 but I get 10% student discount and had just enough advantage points to pay for them. Whoop, free straighteners.
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,588.36
Mortgage free date. At start of sole mortgage = July 2042
2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25 PAID OFF
2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £3275.888 -
Hi,
I've just read through your diary, you are doing so very well.
Congratulations on the mortgage front! Sounds like you have had an awesome advisor.
I have just started a 'help to save' account. its through the government website. Martin Lewis keeps talking about it on his show.. You pay in a max of £50 a month for 4 years after that 4 years the government give you an extra £1200! This is as long as you have paid the max in each month otherwise the bonus is smaller. I assume you get working tax credits or some sort of top up. If not check out the site its helptosave. you need your ID found mine in an email from the government ages ago! I litterally started it 2 days ago, thinking of the free money in 4 years! Just thought it might help you on the long run.
Ps My dad ran off, so understand how tough it is (I was 19)
Bizzy5 -
Brilliant news about the mortgage."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Fab news... and a great MSE win with the straighteners
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Delurking to add my congratulations. Really pleased for you. You should be proud. Your username is obviously perfectly chosen xIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Another lurker delurking!
Just want to say "Congratulations!" After my divorce (with rubbish solicitors- but that's another story) it took me many many years to sort out the messy finances and mortgage. So you're doing really well. Onwards and upwards!4 -
Congratulations! Great news!3
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