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MF Date 2037 - MOP it up by 2030?!?

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Comments

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 787 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    @Sarahwithlove - I really don't want to. I love my job and also have a Civil Service Pension so would rather stay and hold on to that! I'm gonna just ride out the storm and see what happens.
    Debt Free - 4th June 2025
  • Sarahwithlove
    Sarahwithlove Posts: 3,406 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    @Sarahwithlove - I really don't want to. I love my job and also have a Civil Service Pension so would rather stay and hold on to that! I'm gonna just ride out the storm and see what happens.
    Fingers crossed for you then that it all works out 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 787 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    edited 2 September at 10:01AM
    September Goals
    Make one mortgage overpayment
    Only shop for needs not wants
    Meal plan and stick to budget
    Add to savings
    List 12 things for sale on Vinted
    Lose 14lbs
    Debt Free - 4th June 2025
  • RedLipstick
    RedLipstick Posts: 113 Forumite
    100 Posts First Anniversary Name Dropper
    Well done on being debt free, delighted for you! Looking forward to read about your journey! I am still living on my CC for now while getting final savings for renovation and then from October full focus on CC debt (few £k so not too dramatic) and mortgage overpayments. Will be cheering for you and getting my needed inspiration, 2030 sounds very exciting, good luck!

    Mortgage: £173,700 Sep 22  £159,400 Sep 25

    MF Date: Sep 52 Mar 52


    2025 Challenges:

    EF #84 | MFW25 #51 | MFiT-T7 #5 | Pay off all your debts by Christmas 2025 #34

  • September Goals - UPDATE
    Make one mortgage overpayment - £8.00 OP made but plan to pay at least another £50
    Only shop for needs not wants - FAILING - Stressed with work uncertainty and I'm terrible for impulse spending to cheer myself up - Must do better
    Meal plan and stick to budget - FAILING - See above!
    Add to savings - Savings now at £2500! 
    List 12 things for sale on Vinted - Still haven't listed a thing but bought 3 - whoops
    Lose 14lbs - FAILING - See above - I'm a terrible emotional eater - must do better


    Debt Free - 4th June 2025
  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 787 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    edited 16 September at 10:15AM
    Bathroom was flooded this week. I called the council as the house above me is a council flat. Neighbour didn't hear anything from them so he called the emergency repairs people out, they came and had a look last night and the waste pipe was loose so that's all sorted. He very kindly offered to come down, plaster and redecorate my bathroom. It was identified and fixed in less than 24hrs so a wee wash of the walls will do it. Really appreciate that though, good to have a nice neighbour.

    Tidied up my living room and bedroom yesterday in between work and walking dogs so those 2 rooms look lovely. Today I am going to tackle the kitchen and I need to get into the habit of giving the whole place a wee once over every day. Here's to making new habits and having them stick!
    Had a look over the bank accounts today and I am happy to report that my savings are now £2,500! I'm just getting myself better prepared incase I need to give up on the dog walks during the week. 
    New boss hasn't given a very good first impression so not holding out much hope on her tbh. 
    Debt Free - 4th June 2025
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