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My long overdue journey to becoming debt free!!
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That's brilliant especially at Christmas.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 29/7/252 -
@LookingForPeace Thank you! You can do it!!November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2 -
@savingholmes Thank you! I'm excited to see how much I can have left over when it's not Christmas! I have no excuses now!!!November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2 -
Well done MPS, that's brilliant especially at this time of year.
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Little update, today has been a bit of a spendy day getting the last few bits in for Christmas, mainly those that were unavailable on my home delivery, but I am all set now! Presents are all wrapped, food is in the fridge, turkey is being collected tomorrow and of course my children are ridiculously overexcited!! My heart is happy!I also received another bank switch bonus payout today of £175 so that's gone straight to CC4, plus I cashed out £12.02 from TCB and £2.12 from surveys, so they have both gone into January's overpayment pot. I have two more bank switches outstanding, one for £200 and the other one for £175, it's probably shot my nonexistent credit score to pieces, but I figured it was worth it for a total of £750 in switch bonuses.Happy Christmas Eve Eve everyone!!! MPS.xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
Oooh you’ve had a goooood day!Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713
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Wow Christmas came early for you then MPS!! Have a lovely festive time
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MissPennySave said:Little update, today has been a bit of a spendy day getting the last few bits in for Christmas, mainly those that were unavailable on my home delivery, but I am all set now! Presents are all wrapped, food is in the fridge, turkey is being collected tomorrow and of course my children are ridiculously overexcited!! My heart is happy!I also received another bank switch bonus payout today of £175 so that's gone straight to CC4, plus I cashed out £12.02 from TCB and £2.12 from surveys, so they have both gone into January's overpayment pot. I have two more bank switches outstanding, one for £200 and the other one for £175, it's probably shot my nonexistent credit score to pieces, but I figured it was worth it for a total of £750 in switch bonuses.Happy Christmas Eve Eve everyone!!! MPS.x
Well done to you! The mark on the credit report is only temporary after all, and these switch bonuses add up! I've just finished doing the ones I can and missed out on the Llloyds offer (Doh!), so keeping my eye open for that one. Keep up the good work. £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary
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Great result on the switching!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 29/7/252 -
Thanks everyone! It was a lovely Xmas eve eve surprise for sure!!! and now......IT'S CHRISTMAS EVE!!! 🎄 one more sleep to go!!November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3
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