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My diary... becoming debt free whilst still having a life!!!
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First part of hangman Tracey - no a in my name
_ _ c _ _ _ _ _Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
savingholmes wrote: »llllFirst part of hangman Tracey - no a in my name_ _ c _ _ _ _ _
o or u?
Any clues......The good you do comes back to you.DFW Long haul supporters No: 134
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oh dear
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no o or u lol - 3 sides of hangman now in place
_ _ c _ _ _ _ _Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Seriously Gertrude Ethel, once again I have started my day off -laughing!!!!!!!!
Right MICHELLE SAVINGHOLMES, fess up, Im right, arent I? Oh I love to be right!!!!! (Hope I am or Ive just looked v stupid!!!)
So we have Tracy, Carolyn, Ruth, Michelle and GETRUDE ETHEL!! What a bunch!! I love us!!! Even when I am debt-free and earning millions I willl still be checking in with my girls to see how they are! (Not sure about Gertrude Ethel tho, starting to wonder about her!!!!!!!! Just goes to show you just never know somebody!!!)
Bye Girls!!!
xDebt - £10,000
Small changes..... Big Differences!0 -
Boy!!! what a feeble effort I made at hangman last night, I blame the Rose!!!
Do we have a Michelle amongst us?
Both kids off school today, no word from my new boss, no idea what I am supposed to be working on...... god I hope this is not the wrong decision.
Love and hugs to the posse!!! The good you do comes back to you.DFW Long haul supporters No: 1340 -
looks like i missed some fun last night lol,
hows Gertrude today?
Ruby ( sorry cant help myself) heard anything from your boss?
IC how did you guess that name from one letter? I am rubbish at things like that
SH hows things?
had a busy day today you would think it would have been quiet as you would think people wouldnt want to struggle out to the doctors surgery, but no they all turned up plus some extras lol . had to walk to work today as the road were shocking and still are around here.
OH and the kids have had a snowday and OH is now cooking tea! it sounds like it will be a masterpiece with all the oohs and ahhs coming out of the kitchen :rotfl:0 -
Hi Cas, you are lucky to be able to walk to work, I really miss that.
I was shocking at hangman, can't believe IC got it from one letter either.
Enjoy your tea, I am intrigued to see what you get from the kitchen?
I have heard from my boss, so not feeling quite so left out now.
I am praying my youngest can go to school tomorrow, so that I might show my face in the office!!
Off to eat now....
Have a lovely evening and keep warm it is already icey here.
xThe good you do comes back to you.DFW Long haul supporters No: 1340 -
Yup Irish Chick got it right - well done!
YB you said your name was Gertrude not... so I am confused...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
No offence to any real Gertrudes but that was just a bit of fun!
Am just Belle on here, hope that's OK.Getting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
Gertrudes, Belle, and any other names welcome, any time any day.
A big thank you all for continuing to support my diary.
xxThe good you do comes back to you.DFW Long haul supporters No: 1340
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