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MF Date 2037 - MOP it up by 2030?!?
Comments
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@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 20250
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_Dolly_Rocker_ said:@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.*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/1 -
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 14lbsDebt Free - 4th June 20250 -
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
1 -
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 20250 -
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 20250
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