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My diary... becoming debt free whilst still having a life!!!
Comments
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Hi all - I took a half day's leave the other day and felt a bit better afterwards. I'm making money still on free daily scratchcards and a new site called b!ngo port - if anyone wants more info please pm me.
I should hopefully know whether I have a job after March by the end of Jan which is some notice at least. I might know sooner - if I do I let you know altho I could be blubbing...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
Hi all
Quick post to say am thinking of you all and have read updates. Been away with work but am feeling very odd today - keep getting dizzy - so can't look at screen too long!
Will post soon, hi to all
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 -
Hi SisterCas - I sympathise with you on the dentistry - My son has very 'goofy' teeth - The dentist says he needs to have at least 4 teeth removed and then a brace fitted, I asked if there was any alternative to removing healthy teeth, and apparantly there is, but it would cost £15,000 over 5 years :eek: - Apparantly in the US, they never remove healthy teeth, they use a special brace which gradually stretches the jaw over time to accommodate all the teeth - hence the cost! Unfortunately it looks like my little lad will have to have the teeth out - £15k is very scary!Emergency Savings Fund - £11002015 Mortgage overpayments = £0
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missO dentistry costs are hideous arnt they? got us over a barrel though as we want the best for our children.
YB hope you are feeling better . hows things on the financial front with you? any sign of light at the end of the tunnel?
SH you are doing very well with the free money. do you spend a lot of time doing these things?
fingers crossed for your job
Ruby I am not very computer literate and how no idea how to do a spreadsheet. what do you use it for? is it to have everything written out in front of you?
wel I am doing the £2 savers club and havent had a £2 in ages but when I do get one I am so excited and giddy how sad is that? mind you i have saved £76 in about 3 months
as well as DD1's brace DD2 wants to go on a school trip to france in July so that will be approx £500 plus spending money plus clothes :eek:
thats life I suppose0 -
woohoo I have lost 3lbs this week :j :j thats thanks to my denise van Outen DVD0
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Hi all
Ruby hope things are okay with your family.
Sister Cas - Yes bingoport is very time consuming but reasonably fun - the scratch cards on other sites take about 5 minutes a day.
Still don't know what's happening re my job.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
Hi girls, a quick hello as up to my eyes at the mo!
Havent forgotten you all! Am keeping up to date, even tho not posting!
xDebt - £10,000
Small changes..... Big Differences!0 -
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I'm definitely losing my job soon so all upset now.
I have started applying for other jobs and they have said I can have time off for interviews in work's time so here's hoping I get some and get sorted soon...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
savingholmes wrote: »I'm definitely losing my job soon so all upset now.
I have started applying for other jobs and they have said I can have time off for interviews in work's time so here's hoping I get some and get sorted soon...
Oh SH I am soooo sorry to hear that, what is happening redundancy?
Try and keep positive.
Remember we are always here for support.
xThe good you do comes back to you.DFW Long haul supporters No: 134
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