indigowarrior baby steps.

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Comments

  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Nothing at moment. I have decided that once I am debt free I am going to treat myself to a top of the range smart phone. I am hoping to have earned quite a bit in Amazon vouchers by then.
    No Spend November 2/15 and SPC 134
  • MeenaM
    MeenaM Posts: 320 Forumite
    Debt-free and Proud!
    indigowarrior wrote: »
    Nothing at moment. I have decided that once I am debt free I am going to treat myself to a top of the range smart phone. I am hoping to have earned quite a bit in Amazon vouchers by then.

    just popping on to wish you luck and well done on your progress so far :T that will be a great treat to look forward to :j
    paid off £27,527.47 debt free journey began Nov 2017 DEBT FREE 13.09.2019!! EF £3500/£5000
  • fay66
    fay66 Posts: 744 Forumite
    First Post First Anniversary Photogenic
    well done so far keep going
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • debtfreeby2020_3
    debtfreeby2020_3 Posts: 94 Forumite
    Great idea on the treat! Just make sure you check the expiry on the vouchers
    Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.79
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Its added to my giftcard balanace. I think it expires in two years. I am hoping to be debt free in 14 months providing income stays the same.
    No Spend November 2/15 and SPC 134
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    Its 10 years! Phew
    No Spend November 2/15 and SPC 134
  • debtfreeby2020_3
    debtfreeby2020_3 Posts: 94 Forumite
    Good to know! I wouldn’t want you to miss out :-)

    As an aside, I noted that you have a disability and mobility issues but are paying bus fares. Are you not entitled to a free bus pass? I have one because I have epilepsy. I get some very weird looks from bus drivers!
    Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.79
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    I am going to apply once I get my PIP decision. If I get the mobility rate that is. I phoned Thursday and they still hadnt sent it to the decision maker.
    No Spend November 2/15 and SPC 134
  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Well done on your progress so far. At 89% interest I would want to clear that debt rather than save although I can see there are benefits to an emergency fund...
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • debtfreeby2020_3
    debtfreeby2020_3 Posts: 94 Forumite
    I'm also applying for PIP. I have epilepsy and require supervision when cooking and bathing, and to manage my medication. I have been advised to do so by an epilepsy charity, as I apparently meet the criteria. I am not too sure. I bet the assessors take one look at me and think I am at it. I wish I was...
    Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.79
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