Daisy's Debt-Free Diary
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Pinching Pennies
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Slight error on my part… thought payday was this Thurs but it’s actually the 29th! D’oh.I’ll have to be extra careful now as my weekly budget needs to be stretched over 2 weeks instead of 1. No wonder payday felt like it came around quickly haha.1/29lbs lost
CC1: £579.76 (0% until 8/9/25)
CC2: £2763.26 (0% until Dec 2027)1 -
Oh pay that 52p~~you know you want too
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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.3 -
I made it £1.52...beanielou said:Oh pay that 52p~~you know you want too 1/29lbs lost
CC1: £579.76 (0% until 8/9/25)
CC2: £2763.26 (0% until Dec 2027)1 -
Love itdaintydaisy said:
I made it £1.52...beanielou said:Oh pay that 52p~~you know you want too Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £176.1K Equity 32.26%
2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)1 -
Paid off another £8 to my CC, taking the balance to £758. I have some payouts I’m waiting to be approved in Prolific so once those are through I’ll add those to my CC as well. Less than a week til payday and 10 days til I go on holiday. Woop.
1/29lbs lost
CC1: £579.76 (0% until 8/9/25)
CC2: £2763.26 (0% until Dec 2027)1 -
Lovely to have a holiday to look forward to.
Well done on the payment. The end is in sight.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £176.1K Equity 32.26%
2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)1
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