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

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Comments

  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sistercas - hope you feel better soon...

    I'll try not to be too jealous of those with holidays next week !!!
    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 13/9/25
  • Well best of luck, SH knock em dead.

    Cas, hope you feel better soon, you can't be ill on your week off. Take care.

    xx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi my interviews are Monday and Wednesday they are for a managerial job - don't want to say more on an open forum... but thanks for the good wishes...

    I now have another interview lined up with an agency that has lots of attractive jobs but has never put me forward for any - that is on Wednesday too so I will have 2 interviews on Wednesday and 1 on Monday! Work are being fantastic and letting me have time off with pay. Kids will be at MIL's all week as I didn't dare take holidays in case I am job less come the end of March! (As I will get paid for them then....)

    sounds to me like you are juggling quite a few balls in the air, please try and take some time for yourself x
    ruby how was your first week with your new job? hope you have settled in.
    Belle I hope you enjoy your week off
    IC you're quiet is everything ok?

    I am still feeling off think its an infection in my middle ear makes me feel as if my head is under pressure and I feel like I am on a boat in a force 10 gale its really weird and I am fed up now., I just want to get up and get going.

    hope everybody is well , have a lovely weekend xx
  • Hi everyone, Happy Valentines Day.

    Cas, I hope you get to feel normal again soon, ear and teeth problems are always I think really difficult to cope with. Have you got antibiotics?

    I'm having my normal mid cycle meltdown, cold sores, tired, aches and pains it is a real pain!!

    DH has been lovely today though, he went to town early this morning to get the veg and fruit from the market and came home with the M&S meal deal for £20 for us to have this evening. It looks lovely, we are having:

    A bottle of pink fizz
    Starter: scallops and chorizo
    Main: Rack of lamb, covered in pine nuts and basil (served with salad not included and M&S chips included)
    Dessert: chocolate fondue

    YUUUUMMMMMYYY!! I am really looking forward to it. What a treat!!

    What half term plans do you all have?

    xxx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • MissShoes
    MissShoes Posts: 1,290 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hey ruby,

    how are you doing? Congrats on the new job- how's it all working out for you?

    Your valentines meal sounds yummy- I want a whole tray of those scallops to myself- forget sharing!!!

    Love Miss Shoes xx :A
    • DFD 4th July 2015
    • MFD 1st October 2021
  • Hi All and welcome to Miss Shoes! If you were out for dinner with me you could gladly have all the scallops to yourself!!!

    Im good, just verrrrry busy! Sorry Cas, but thanks for worrying about me?!!

    Went for a trat on Fri nite with DH - Lough Erne Golf Resort in Co Fermanagh!!!! OH MY WORD!!! 5 star!! My DH decided to splash out as we have had some tough times this year already and Im telling you, it was fab!! And it was only £115 B&B! Not bad, eh?

    We had a ball and didnt feel like the Dingle's rolling in in a Polo and everyone else in their Range Rovers!!!

    Still working 2 jobs but managing v well!

    In work at min so better sign off and do something!!

    Love to All!!
    Debt - £10,000

    Small changes..... Big Differences!
  • Hi all
    Lazy day fo rme today - still in PJs!
    Ruby - you do seem to go throught the mill with your cycle - is there anything the GP can do to ease it, sounds terrible !
    Hope the day goes well for you SH - thinking of you and sending you the best of luck!
    Cas - ear problems are AWFUL - hope it clears up soon
    Miss Shoes - the scallops are MINE!
    IC - good to hear from you - sounds like the night away was a good tonic!

    Back to my book and a laid back morning before doing something more useful this afternoon

    Belle
    xx
    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!
    • SH good luck!! with the interview today x
    • thankyou for all your good wishes, still feel like i have just got off a rollercoaster but i think its improving
    • dont know why i have got bullet points! lol
    • IC glad your ok your trip sounds fab, its so worthwhile spoiling yourself occasionally even whilst debtbusting!
    • Belle/ Ruby hope you enjoy the weeks hol, time to try and chill out a bit
    • both DD's are at their friends today ,so its very quiet
    • hoping to go to the pictures on wed (courtesy of orange wed)
    just a question. i have £19 of tesco vouchers. do you use yours for food or do you save them for something else? not sure what to do with them

    anyway hope you all have a great week xx
  • Cas, I use them for food to be honest cuz I need the money here and now, rather than later on!!

    x
    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: »
    Cas, I use them for food to be honest cuz I need the money here and now, rather than later on!!

    x

    yep good point x
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