*sigh* this is still taking a while, but moving forward (slowly!)
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Welcome back! Lovely to hear from you. Plans all sound good. Do you still have the itch to move someone rural? XxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £243,500
Interest saved so far: £1273
Total overpaid so far: £1,188.932 -
Hi Crunchy
Yes, we'd love to move somewhere more rural. Not always sure it would be best for the children though and with out 2 eldest now having very good apprenticeships locally, we'll have to hold off for at least 4 years. And by then, our 4th child will be mid GCSEs, so it may well be that we'll need to wait until all 5 are out of education. Our youngest is only 8, so that's a long time. We'll keep an open mind as there will be natural breaks where we could make a big move if the stars alignDebt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£100003 -
Paid off the £1500 on CC1 when we got paid last week, so we're on track.
I've made sure I've booked the 2 extra agency shifts a week throughout June and July. I've also booked 4 weekend day shifts in total across the 2 months. I'm not a fan of working Sundays, but it'll put an extra £1k into the mix and they're usually nice enough shifts (it's just painful getting up at 6.30am).
The agency I'm working for gives an hours annual leave for every shift, which means for every 8 shifts I work, I get a 'free' shift payment. So I should get 2 of those over June/July and that £500 will also go towards debt payment.
According to our debt snowball, DHs CC2 is next on the agenda and it now has a £2.6k balance. Most of that will be paid from May's salary, with the remainder gone from June's.Debt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£100001 -
Sounds like you’re still as busy as ever!
LTotal 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 #1242 -
It's good you get a premium for weekend work. Well done for keeping on at clearing the debt.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
Thanks L and SH
I've been pretty lucky to only work part time for the last 20 years since my eldest was born, I've averaged 2-3 days a week (with several maternity leaves )
This current work balance suits well enough, 2 fixed days and 2 flexible days. So during term time, I work 4 days and am home by 5.30 so we all eat together as a family. During the school hols, I either take AL or just work the 2 fixed days.
The 2 flexible days pay 50-60% more than my fixed ones, so it makes them worthwhile.
Debt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£100001 -
Have had a week off this week, which has been lovely. I deliberately made no plans, so have been able to chill.
I've been reading, crocheting and baking.
I've got a list of TV shows that I keep meaning to watch, but not got round to. I am looking forward to the new season of Br!dgerton, love a period drama and really like the adaptations so farDebt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£100001 -
Sounds like you've got your work life balance sorted then.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%0
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