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Steph does debt
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Annnnnd the mortgage with Nationwide has been declinedย
But the CCJ is gone ๐๐๐
๐๐๐๐ 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 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
3) Mortgage neutral by 06/30 (AVC ยฃ42.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.7K) = 48.8K of ยฃ127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
5) SIPP ยฃ5.7K updated 29/5/260 -
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 2022ย1
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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 ๐ฅฐLife 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 2022ย2
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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.ยIโm 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.
Save ยฃ12k in 2026 Challenge ยฃ12000/ยฃ9500
365 day 1p Challenge 2026 ยฃ667.95/ยฃ374.01
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Thanks guys! Iโm glad Iโve 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.ย
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!ย
Hope everyone has had a good start to the week, today was a no spend day too ๐
Life is too short not to love what you do.3 -
Love the chartยAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
3) Mortgage neutral by 06/30 (AVC ยฃ42.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.7K) = 48.8K of ยฃ127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
5) SIPP ยฃ5.7K updated 29/5/261
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