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2022 - Moving forward
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Scary about the hack / identity fraud. Not what you need at all. Well spotted though!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Blimey.
At least you spotted it.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.2 -
Thank you, that's a good idea.dawnybabes said:So annoying when idiots hack stuff !To stop my craving I used to have choc mini milks"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 McGee1 -
savingholmes said:Scary about the hack / identity fraud. Not what you need at all. Well spotted though!
Thank you - I'm just glad I spotted it so quickly. If anyone doesn't use them I'd definitely recommend Credit Karma (used to be Noddle - they are Transunion credit report) They update the report weekly, and it's free.beanielou said:Blimey.
At least you spotted it."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 -
Today's PAD - £3Jan - £126Feb - £106Mar - £136Apr - £122May - £113June - £61"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 McGee1
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I've heard back from my creditor for my offer. They have offered a £900 discount, but they manage the account, and so I've asked them to send it to the owner of the account - the letter offers to do this. I've been quite sarcastic with my response as they asked loads of questions that I'd put in my original letter, and didn't even seem to understand I was responding to a letter from them!
They've also asked loads of questions which I've told them I'm not answering - why did I get into debt in the first place, where do I work, how much is my mortgage and equity, how much is my house worth! They can get stuffed!"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 -
Sorry to hear about the hacking!! Scary stuff!!2
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Good luck with the credit offerAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thank you, it was a bit of a shock!abaka said:Sorry to hear about the hacking!! Scary stuff!!
Thank yousavingholmes said:Good luck with the credit offer"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 McGee1 -
I've just had a good yell at everyone about the state of the house. 🙄 I am so fed up of having to pick up loads of stuff before I can do anything like hoover! I'm on day 7 without chocolate (bars) today - I did have an icecream with a flake yesterday, but otherwise have had nothing. It must be the chocolate withdrawal rage kicking in 😆😆"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 McGee1
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