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Aiming To Finally Be Debt Free by 2025

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  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Went to the car boot. It’s a new one just down the road from us and there were only 5 cars there. It was free entry though. Managed to get 2 big build a bear toys for £2 each. One How to Train Your Dragon and the other Star Wars. Hopefully they sell more quickly than the mug. I’ve already got them listed 😁

    Emz xx
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well that's more like it!! Whilst I was at work this evening, the Star Wars Build a Bear sold for £20 plus postage!! After fees, that leaves me with £16.77 in the kitty. Will have a look on Facebook Marketplace, but will be going to a few charity shops on Tuesday, so might find something there.

    Emz xx
  • beanielou
    beanielou Posts: 95,520 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the build a bear sale.
    I diden't realise that there were no fees to sell on vinted!
    I have only bought!
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the build the bears
    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 29/7/25
  • jwil
    jwil Posts: 21,920 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result on the sale :)
    "If you can dream it, you can do it". Walt Disney
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi everyone. 

    Got a busy week. At work Tuesday to Thursday and we’ve got our flat inspection on Thursday, so got to clean and tidy the flat before then. It’s also too hot to be doing so much housework 🥵. 

    Sent £200 to the oxygen loan today, so £1,100 left. Would’ve liked to have paid more, but my weekend sales weren’t great. Will try and step it up for next week. 

    Sold one of my free soft toys on Vinted, so there’s £3 in my niece’s iPad fund. Will see what I can buy to flip and grow that for her. Off to some charity shops tomorrow, so will have a look. 

    Emz xx
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are doing well on the sales and the debt clearance.
    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 29/7/25
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening

    Been so busy these past couple of days cleaning and tidying the flat for tomorrow. Will be glad when the inspection is done so I can concentrate on making money again. 

    I did buy some bits yesterday. Got a Ben 10 figure bundle with my niece’s £3 fund. With my challenge money, I got a brand new 2,000 piece Ravensburger puzzle for £4.50 and a pair of really good condition Converse shoes for £5. Sadly nothing sold so far. Hoping to get a good kitty in both challenges by the weekend as we’re going to a car boot on Sunday. 

    Emz xx
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the challenges and car boot. 
    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 29/7/25
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi everyone

    Inspection over and I'm also off work now until Thursday next week!!! We're off to see Thor later this afternoon. It's not supposed to be that great, but I think I can handle staring at Chris Hemsworth for 2 hours!!  <3

    No more challenge sales. I really wanted to get a nice fund going for my niece, but things just aren't selling for some reason. I've sold lots of other bits (did 9 parcels up this morning), but just not the challenge stuff. I have got some more bits for my £10k challenge - 2 pairs of trainers (£3.50 and £1) and this morning I picked up a Happyland cottage for 5p and a brand new Filofax for £1. Hoping I can get some sales over the rest of today and tomorrow so I've got a bit to spend at the car boot. At the moment, I've got nothing in my niece's fund and 1 item to sell (plus all the free soft toys I listed), and in my challenge I've got £1.72 and 7 items to sell.

    Emz xx
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