Abba1772's Debt Free Diary

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  • savingholmes
    savingholmes Posts: 27,516 Forumite
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    You have to look at the positive - can get a better deal from existing provider if need be. You won't be in debt forever if you stay as committed as you have been and then you can be an MFW too and eliminate debt altogether.

    Have fun along the way too...
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.1K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
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    * Sorry I meant own not won - forgive me was idiot and not looking at what i typed.

    Have a lovely weekend !

    Sam
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    moneyonmymindsam wrote: »
    * Sorry I meant own not won - forgive me was idiot and not looking at what i typed.

    Have a lovely weekend !

    Sam

    I know what you meant Sam ;)

    Forgot to say I submitted my avon order on Friday with £675 of orders would have hit £700 but the hoodie that I wanted wasn't in stock :( boo it was really pretty and ideal for holiday

    Means we gain £165 in commission but after books it'll be about £155 so £50 to us £50 the Halifax and £55 to the Florida tin :T

    Off out later to take the mil out for her lunch then we will pop over to my gran to give her her flowers and chocolates xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Oh and I've lost 1lb at weigh in woo hoo :j only 6lb to go til I'm back on target xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • stepuptothepl8
    stepuptothepl8 Posts: 913 Forumite
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    You are doing so well Abba, both re weight loss and the debt, its definitely not for nothing. Your hard work is paying off, just not on the mortgage, not yet. But it will. This is just a blip. Hope you're being spoilt xx
    LBM 1st Feb 2015 £18182 to go :o
    my diary: time to step up to the plate. SPC#079
  • System
    System Posts: 178,102 Community Admin
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    Hope the FA comes back with some good news for you. You have done so well recently.
  • jwil
    jwil Posts: 19,301 Forumite
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    That's frustrating about the mortgage abba, but at least you can get a better deal with your lender. Every little helps!

    Once you've cleared the debt, if you attack your mortgage with the same enthusiasm, you'll have that cleared in no time!

    You are still managing to live as well, you've got Florida to look forward to, keep going :)
    "If you can dream it, you can do it". Walt Disney
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    jwil wrote: »
    That's frustrating about the mortgage abba, but at least you can get a better deal with your lender. Every little helps!

    Once you've cleared the debt, if you attack your mortgage with the same enthusiasm, you'll have that cleared in no time!

    You are still managing to live as well, you've got Florida to look forward to, keep going :)

    That's the plan........hubby becomes officially self employed next month so after speaking to the financial advisor he agreed with my plan to lock to the mortgage ear for three years this means bob has theee years self employed records as well as all the credit cards being clear, the car will be paid off and I'll make it my mission to get the loan cleared within that time scale as well plus I intend to over pay the mortgage by £51 which will mean I'll knock four years and five months off the mortgage term and we will put savings behind us.

    So that's the three year plan I intend to smash it and be mortgage free by the time I'm fifty.......even better if I take was by the time I was 45 :rotfl: that would be pushing it :rotfl: I can dream :D

    Like you say jwil we are still living and we have a holiday of a lifetime coming up so I plan to enjoy it as my kids are only little once :D

    Sent £8.05 I think towards the Halifax card tomorrow I'll be down another hundred bracket :T

    Manic Monday as usual waiting on our mortgage provider phoning me at 4.30pm then it'll be official as the FA has spent all weekend on it and he's got nothing so now I know exactly where we stand I feel much better about our situation

    Off to pick the after schoolers up xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • beanielou
    beanielou Posts: 90,576 Ambassador
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    Always goood to know where you stand :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • jwil
    jwil Posts: 19,301 Forumite
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    I'd love to be mortgage free by 50. I don't think it will happen, but I aim for it to be not too far after! If anyone can do it by 45 it will be you :rotfl:
    "If you can dream it, you can do it". Walt Disney
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