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Lucielle's daring debt free journey
Comments
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hi lucielle that sounds like one scary experience... glad you managed to miss the other cars and get home safely!
Hope you find the extra money for amex too!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Just spent the evening doing the accounts. The VAT return will have to be done shortly. Had a really good nights sleep last night until 5.10am when the phone rang to call OH into work.
I must try and get some housework done this week as we are heading way past the pigsty level plus the ironing pile is no longer a pile and more of a mountain. Catching up with DDs washing from when she was away.
DS1s latest mission is to get some ferrets. A friend has given him a hutch, which we had initially said we'd get him for his birthday. Had a phone call tonight to say somebody locally had some ferrets for sale. So, probably over the next couple of weeks the menagerie will increase by 2 jill (girl) ferrets as they aren't as smelly as hobs (boys).
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 #1240 -
Good luck with the VAT paperwork - sounds nasty .....
Hope you've planned a little reward for when it is doneAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Good look with paperwork...I so hate it.
Ive never had ferrets but a friend did and they were quite cute.0 -
Not sure which is worse L ferets or driving in snow! You can keep them both.
Why do you have do do a VAT return? Now that's a really awful job, worse even than ferrets and driving in snow............CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Just getting it up to date ready for the end of the month. Ferrets are arriving tomorrow. DS1 is preparing their living quarters as I type.
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 #1240 -
Ferrets are arriving tomorrow - Wow sounds like fun L unlike the accounts of VAT returns...Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0
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Course I did. I was also looking for a penguin but couldn't find any!!!!
Been offered a 60% bursary and got a week to decide. DD1 now has to make her mind up.
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 #1240 -
Thats great that you were offered the bursary for DD1. I don't know anything about them but is that a good % to get? I guess its down to being able to afford the difference but sounds like a great opportunity.Working Hard to be Debt Free - one day :A soonDFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100Total Nov07 £36000, Sep10 £1623:o:)0
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