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My diary... becoming debt free whilst still having a life!!!

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Comments

  • Twas 40 days before Xmas and all through the house, not a creature was stirring, not even a mouse! Well, apart from YB's house that is!! Ha Ha!!
    Debt - £10,000

    Small changes..... Big Differences!
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    irishchick wrote: »
    Twas 40 days before Xmas and all through the house, not a creature was stirring, not even a mouse! Well, apart from YB's house that is!! Ha Ha!!

    :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

    YB do you want to borrow my cat? we have fields and a wood next to us and tended to get the odd one and we havent had any mice since the cat took up residence:D
    we had a humane trap ( got it from b and q i think) and you just take it a long way away to release it :rotfl:

    i dont recommend the inhumane way , they are so messy :eek: it splatters for miles around
  • Gross Sistercas!! Too much information!
    Debt - £10,000

    Small changes..... Big Differences!
  • Mouse update!
    I think , well hope, I've found the gap in the floorboards that the small furry thing must have got in by. I covered it up last night and since then have seen no more evidence of mice , so I hope it has gone never to return.
    Thanks for all kind words and advice.
    Ruby's gone awfully quiet - hope you're OK Ruby
    Belle
    x
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your mouse situation resolves. Well I've now done enough registrations to get a dyson from ipoints once they get credited so quite chuffed. Total spend about £65 to get a Dyson worth approx £135... don't have to use it for that if don't want to buy our dyson is on the way out...

    I'm going to be away a few days a week for the next few weeks so don't know whether I will be able to log on while away or not... probably depends on the hotel? So if I go quiet - nothing to worry about....

    Have a great weekend everyone!
    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 10/10/25
  • Going away - how lovely. Is this a recce (sp?) for OHs possible new job?
    Catch up when you can - you always perk me up to being proactive SH!
    Belle
    x
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    YB lets hope thats the last of 'micegate' :rotfl:
    SH well done on the ipoints:T hope your few days away are productive
    Ruby hope you and your family are ok
    IC have to say the mouse thing was gross it went all over the inside of my kitchen cupboard:eek: :eek: :rotfl:

    lovely day sunny and warmish too , think I will go for a walk this afternoon
    its my birthday tomorrow and I am going to treat myself to an 'ickle' shopping spree:j
    have decided not to go out for a meal tomorrow as its DD1s birthday next week so we are going to have a joint 'do' a meal at a lovely italian restaurant where DD1 can where the gorgeous dress and shoes she is getting for her birthday. ( managed to ditch the party idea well untill next year anyway)
    hope you are all ok xx
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Going away - how lovely. Is this a recce (sp?) for OHs possible new job?
    Catch up when you can - you always perk me up to being proactive SH!
    Belle
    x
    Thanks for the encouragement. :T Time away relates to my job... Reccies for OH put off a few weeks due to pressures at both their end and ours. Sorted out MIL's present from DD today, and did some snowman cones - need to look on finished baskets thread to find. Also did DS a baking hamper 2/3 especially bought, 1/3 things in cupboard. Was pleased with it...

    DS was suddenly all upset for approx 3 hours!!!:eek: tonight seemed to come out of nowhere - don't know if it is just hormones or something more serious... May try and talk to health visitor tomorrow to try and understand and poss a learning mentor at his school. Altho he says none of it bothers him there have apparently been a few incidents related to his (crap) bike and other name calling.... He has just finished after school club, I'm wondering whether it is too much change at once. He also knows about the reccie situation and the fact I'm about to be away for a few days on top. I could understand it more but I spent practically the whole day with him at my sisters yesterday and he had me to himself on the 2 hour journey involved plus have spent quite a bit of time with him today making snowman cones, helping him sort pressies etc...

    Hope things resolve soon. I'm hoping this is "just" puberty but whether it is or not still hard to handle...
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :bdaycake: Sistercas - happy birthday! Hope it's a good one!
    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 10/10/25
  • _party_

    Happy Birthday Cas
    Hope you have a great day
    Belle
    x
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
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