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My diary... becoming debt free whilst still having a life!!!
Comments
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Hi Payback,
Yes I am loving it, and it certainly does.The good you do comes back to you.DFW Long haul supporters No: 134
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DD's xmas baking hamper using deals recommended by the finished basket crew - Total cost £7-8
I'm really chuffed with it.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 -
I remember crystal tips very well, i have to say if my hair gets too long it starts creeping out sideways:rotfl:rubydoiwannabee wrote: »what is it with the weather???
My hair looks like crystal tips, does anyone remember her?
I'm reading a really good book, entitled A Thousand Splendid Suns has anyone else read it?
I had a busy day at work today and think I might get an early night.
Hope you are all well.
x
what is the book about never heard of it
at work at the mo. very busy as usual , atmosphere is shocking as someone in management is being mardy ( northern word?) anyhoo we are trying to ignore her
hope everyone is ok
the basket is fab and you've done really well to do it for that price0 -
Hi everyone!
Sorry I havent been on - my email usually notifies me when anyone posts but it hasnt recently.
I wont be around much for the next few days, my gran died and the funeral is this week. It was expected as she had been ill for a while but it has hit me hard coupled with debt stress and pmt and a heavy work load and the gas people ripping up the whole street......................shall i go on?!
Take care everyone thinking of you all.
1 stepIf you wait for perfect conditions, nothing would ever get done! :T
I'm not short - I'm condensed awesome!
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My sympathies 1 step... hope things improve for you soon...
Thanks sistercas for your kind words re the basket...
No money progress currently... haven't worked out any new money making schemes so just plodding at the moment.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 -
Hi everyone - hope you don't mind if I gatecrash, you all seem like a really friendly bunch
I did baskets/hampers for nearly everyone last year and they all went down really well.
I have also read 'a Thousand Splendid Suns' too - great book, I enjoyed the kite runner by the same author too.
Reading all your recent posts has just reminded me that I haven't done any washing for about a week now :eek: Off to put a load on now - does anyone know if its cheaper at night?Emergency Savings Fund - £11002015 Mortgage overpayments = £0 -
Welcome MissOptimistic! You are more than welcome. We are enjoying baskets / making pressies too....
It is only cheaper at night if you are on an economy 7 type tariff. As far as I know it makes no difference to me on my tarrif!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 -
1 step, Im so sorry to hear about your granny. Mine died Jan 2008 and I still have a wee cry now and then! Better Days!
Welcome, MissOptimistic!! You have come upon the lifesaver for stressed, debtbusting women. We will do our best to keep your chin up when its dragging the ground! I have to say, and have posted on many occasions, we are a great support to each other, like a modern Debt-type Enid Blyton book!!
Morning to everyone else!Debt - £10,000
Small changes..... Big Differences!0 -
Hi all
Sorry about your gran 1 step closer, it's very hard losing someone you love.
These baskets are fab - I am not joining in though but I am making my own Christmas cards. (Only send a few to close friends/family, at work we all donate some money to buy a camel or something). You wil be pleased to note I now have 3 presents bought but am lacking any umphh to sort any more out.
Bl**dy mortgage fiasco continues. Am now locked into higher rate than SVR ( but I did want a fixed and just have to grin and bare it) and haven't had proper refund from old company - too technical to really comprehend but am on the case like a bassett hound!!
OH spending money like water again - need to sort him out too but need something fiercer than a hound!
Mardy is a great word - where I live now no one knows what it means but I still I use it - it's one of those words that to me still sounds like it is.
Onwards and upwards dear friends - life might be hard but it keeps us busy!
Belle
xGetting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
1step so sorry to hear about your gran (((hugs))) to you
MissO welcome:beer:
YB (((hugs))) to you too I hope you get your mortgage sorted out
early night tonight I feel soooo tired , the girls are off school tomorrow as its a training day but i am working till 2pm
Ruby/SH I keep whizzing up sock muffins for DD's friends for their birthdays they are fab and so easy to do:D
off for a relaxing bath and then bed
xx0
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