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Steph does debt
Comments
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Annnnnd the mortgage with Nationwide has been declined
But the CCJ is gone 🎉🎉🎉
🎉🎉🎉🎉 Life is too short not to love what you do.1 -
Woohoo re ccj.
Try landc brokersAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/250 -
I'm pretty happy with our brokers and hopefully now that the CCJ is gone it'll be easier! Thank you though!Life is too short not to love what you do.1
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That's a shame about the mortgage! But congratulations on the CCJ! You must feel great. I'm sure you'll get a mortgage sorted soonDebt free November 20221
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Thanks Sunshine, I do, but also a little sad about the mortgage... But if it's meant to be it'll be 🥰Life is too short not to love what you do.0
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It will be even sweeter once you get there!Debt free November 20222
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Well done on getting the debt down over last few months and hope your broker sorts another mortgage for you soon. Great news that the CCJ has dropped off your record.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£110002 -
Thanks guys! I’m glad I’ve done the leg work!Life is too short not to love what you do.1
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6k down, be a bit more by the end of the month but yay.
Halifax have done their valuation today so hopefully by the end of the week we might know what's happening. I really, really hope we get the house, it'll be a dream come true!
Hope everyone has had a good start to the week, today was a no spend day too 🎉
Life is too short not to love what you do.3 -
Love the chartAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251
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