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My diary... becoming debt free whilst still having a life!!!
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HI all - I know what marred or mardy means... hehehehe Hope YB you get your mortgage sorted.
Still plodding but got £9 back in vouchers from M&S so that's something at least...
Just took kids to McDonalds my 5 year old said "I thought this was too expensive" so I had to try and explain it was alright to have the occasional treat - bless. So sweet tho, making sure we would be okay...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
Can life get better? I think we now have a mouse - eek! Any DFW ways to show our new visitor the door ( or any other exit route!)
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 -
irishchick wrote: »1
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!!
I love that:- stressed, debtbusting women - has anyone else noticed, it does seem to be the women who tend to handle these things?
Thanks for such a warm welcome everyone - I hope to stick aroundEmergency Savings Fund - £11002015 Mortgage overpayments = £0 -
Belle - Do you want to be humane or don't you mind?Emergency Savings Fund - £11002015 Mortgage overpayments = £0
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Well, I guess I know what NON humane is - so what would be humane?
And how do I stop it / them (!) coming back ?Getting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
Hah - I don't know any humane ways! - Mousetraps are pretty cheap and DFW (can be used time and time again although I hope you don't have to!) a little bit of chocolate is the best thing to place in the trap, works every time.
Hang on a minute - OH has just told me that you can buy 'humane' mouse traps - I imagine it catches them in a little box so you can release them outsideEmergency Savings Fund - £11002015 Mortgage overpayments = £0 -
Also, you need to find where they are getting in, and block it up - when I had mice, they were getting in where the tumble drier was vented to the outside wall.Emergency Savings Fund - £11002015 Mortgage overpayments = £0
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Thanks very much - will look into it - hope don't wake up to scratchy noises!
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 -
YB conquers the mouse! We look forward to the next update!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
As long as the mouse ( or mice eek) don't conquer me first!Getting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0
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