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*sigh* this is still taking a while, but moving forward (slowly!)

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  • savingholmes
    savingholmes Posts: 27,677 Forumite
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    Good luck with the car decision. 

    Congrats to DD that's phenomenal.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 235 payments to go - now £182,428 Equity 27.02%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £6.7K on 0% spends card but offset by £34.2K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.1K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.1K
  • lucielle
    lucielle Posts: 10,849 Forumite
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    Cars are a nightmare!  That’s brilliant regarding DD!  
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingmore
    savingmore Posts: 659 Forumite
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    Just delurking to say I follow yr diary.  What apprenticeship is dd1 doing that she earns £33000?  That’s amazing.  
  • Crazycatlady2
    Crazycatlady2 Posts: 946 Forumite
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    Was going to ask same 😂 my son doing a level 3 teaching assistant one and on minimum wage. He finishes soon and don’t know what doing next tbh 
  • EssexHebridean
    EssexHebridean Posts: 21,513 Forumite
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    Great news all round - and what a turnaround in DD from where you were at a year ago - that's brilliant! Good for her though - I guess it was a bit of a steep learning curve into adult life when she got into the working environment!

    Exciting about the movement on the sticky question of the cars too - that sounds far more positive. I confess I'm feeling quite guilty at the moment about my car situation - mine seems to rarely move these days and I do feel that probably I ought to get rid - but the issue is that when I DO want to go somewhere it makes that possible - travelling to airshows etc by public transport with a suitcase and a heavy camera bag really wouldn't be much fun, for example, and there are a good few you simply can't even really access without a car, so...Had a chat with MrEH about it and we've agree that it makes sense to take some of the mileage off his by me using mine for the commute on days when it's only me going in...that would actually suit me anyway as I  much prefer driving mine! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,413 Forumite
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    Oooo… such a long time since last update! For those asking about DDs apprenticeship, it’s in accountancy 😁
    Debt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£10000
  • EssexHebridean
    EssexHebridean Posts: 21,513 Forumite
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    Oh hello! Welcome back - how's it all going with you?! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Debsnewbudget
    Debsnewbudget Posts: 766 Forumite
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    Welcome back
  • lucielle
    lucielle Posts: 10,849 Forumite
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    Hello stranger!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Lonelygambler
    Lonelygambler Posts: 224 Forumite
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    Hey, what podcasts have you been listening to? 

    The diary of a CEO
    High Performance 
    Martin Lewis 
    The therapy crouch 
    Casefile 

    Those are a few of mine. 

    LG 
    Gambling Addict - Acting now before it's too late. Gambling losses well over 25k. 

    Current Situation:
    Unsecured Personal Debt - May 2024
    Natwest CC 0% - £3000 - £1629
    MBMA CC 0% £4500 - £4150
    Tesco Loan - £10,400 - £9970

    Debt cleared off since starting on here: £2151

    Money saved by not gambling £3000

    13 Weeks Gamble Free! 

    Aim to be debt free by 2026... 
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