My Debt Free Diary: Virgo In Pursuit
Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
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2022 - Moving forward
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Thank you. It is surprising how much it adds up. I've had a few cashouts this month, and sent them all to the mortgage so I've paid off a lot more than I would normally have. It's nice to be able to use the survey money for that rather than just living costs.savingholmes said:Well done on the £5. It all helps.
Glad little miss is okay. Hopefully with the vaccinations you will be okay too.
It is, isn't it. Everyone seems to be affected differently. I'm glad too, I'm not a great nurseWinterWarrior said:It so strange how symptoms differ so much. I’m glad she didn’t feel bad for long.
"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 McGee4 -
Happy weekend
We are all still testing negative so DH has taken little jwil swimming. We are going to take advantage of the £5 off £15 mcdonalds offer, not really necessary but the kids will love it.
Little miss is completely fine still thankfully. We are making plaster of paris Christmas decorations (!) this morning.
While it's drying I'm trying to catch up on surveys and do a bit of listing.
DH has had an annoying person on eBay, who wanted a partial refund and left a negative when we refused. We've reported him to eBay and left an informative reply to the feedback including pointing out his feedback suggests he does that a lot! It's annoying as it's been so long since we've had a bad experience, but equally it's not really a problem for us.
Have a good one everyone "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 McGee4 -
Glad things are improving. Well done on the OPs.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 29/7/254 -
Thank yousavingholmes said:Glad things are improving. Well done on the OPs. "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 -
General tidying done today and a few items decluttered
I've done 6 listings, still plenty to do, but that's a start. We've also sold 3 items today, hurrah!
I chilled out this afternoon and finished off some books that I was partway through.
DH has half term off and the week after, he reckons he's planning to get rid of a load of stuff then - fingers crossed! He's been making a start.
It's nice to feel we are making progress again "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 McGee5 -
Great start with the listings, tidying and decluttering. I have been told I can use my friend's library card at the cottage so I'm looking forward to reading a few books. Not as many as you manage, but some...If 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) 25/0720255 -
Boo to the negative review on ebay.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
I've just caught up with your new diary and I am already inspired with your decluttering!
I had a major declutter moment last year and led to the world of reselling which I ended up enjoying. I know I'm due for one soon (books included) and just hadn't gone round to it. This post just motivated me again to do so. What's your secret?
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Thank you. That's great news about the library card! Any reading is good reading in my bookdoingitanyway said:Great start with the listings, tidying and decluttering. I have been told I can use my friend's library card at the cottage so I'm looking forward to reading a few books. Not as many as you manage, but some...
It is a bit annoying, we'd had such a long stretch without any numpties!beanielou said:Boo to the negative review on ebay.
Aww thank you! I'm not sure I have a secret as I've done so little over the last yearanjyeah said:I've just caught up with your new diary and I am already inspired with your decluttering!
I had a major declutter moment last year and led to the world of reselling which I ended up enjoying. I know I'm due for one soon (books included) and just hadn't gone round to it. This post just motivated me again to do so. What's your secret? My motivation used to be that I desperately needed the money, now that's not such an issue, it's definitely harder. However, I dream of a tidier house with less clutter, so that keeps me going. Keeping in the habit is also essential, the less I do, the less I want to do! Seeing the money come in and the stuff going out is key! Good luck with it though, just aim to do one thing a week if need be! "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 McGee4 -
I've been awake since before 5 this morning, so laid in bed for a bit reading and looking at my phone, and then decided to get up and enjoy the peace before the rest of the house awakens!
I've got some parcels to pack, some listing to do and I'm contemplating doing some baking to try and use up some ingredients."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 McGee3
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