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My diary... becoming debt free whilst still having a life!!!
Comments
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Oh SC I am sorry to hear that. Really hope you are all better soon. Are you symptoms quite bad or quite mild? How are the kids doing? Is your OH helping out or what?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 -
Hi Ruby, Cas and SH, remember me?Debt - £10,000
Small changes..... Big Differences!0 -
Hi Irish Chick - of course we remember you. Hope you are doing okay!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 -
Morning SH, Cas and IRISHCHICK!!
Cas, I hope you are recovering and that you are getting some time to rest and not having to nurse everyone else!
SH, how are you?
Irishchick, welcome back. How is life and debtbusting going for you?
I am working at home today but instead I have put on two loads of washing, done online banking, tidied up...etc. etc.
MUST FOCUS
xxxxThe good you do comes back to you.DFW Long haul supporters No: 134
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I'm okay. Still fed up about the job situation and money in general but I'm managing. I did belly dancing this week which was fun and got me out of the house and went out one night with a friend too. I have also started to write a story in the hope that it is better use of my time than all the net surfing I have been doing!
Hope SC is okayAchieve 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 -
Hi everyone I'm back! well almost, i am starting to feel alot better, swine flu completely flattened me for a couple of days, I didnt realise you could feel so ill and it still be compatible with life :eek: anyhow apart from no energy and a hacking cough I am on the mend. the kids are still off school they have been really ill and DH has had it too.
IC its nice to see you back, how are things?
Ruby how is everyone?
SH anymore interviews in the pipeline?
DD1 did an online shop at tesco yesterday ( thank goodness ,we have lived off toast for the last few days lol)
it has just arrived so I need to persuade someone to put it away for me as I just cant muster up the energy.
there is one thing though. we have definitely saved money on food and petrol this week and I have lost about 5lbs :j
hope you all stay well xx0 -
Hi SC glad you and your family are okay. Good news on the weight and money front too! Hope you have a more relaxing weekend.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 -
Well the time my family and I have been dreading has arrived, my dear brother aged 42 was taken into the hospice yesterday and we have been told he has only days left to live. I feel numb and so terribly sad. He is so drugged up at the moment we cannot talk to him, because he isn't waking and I fear he won't again.
The ironic thing is that he is in the same room at the hospice that my eldest brother died in.
I am having totally irrational mood swings and my mind is playing tricks on me. I keep calling my DS aged 14 by my brothers name!!
My SIL had to sit their ten year old daughter down last night and explain the situation, they hadn't done so yet because they thought they had more time. He has just got very, very ill in the last week. It broke my heart to see that darling little girl try and be brave.
I am off work today because I just cannot concentrate on anything, I have been up to the hospice and found myself not wanting to sit there just staring at him. Came home to do some work and instead I have been doing anything but.
It is a cruel, cruel world.
xxxThe good you do comes back to you.DFW Long haul supporters No: 1340 -
RIP my darling brother.
xxxThe good you do comes back to you.DFW Long haul supporters No: 1340 -
Aww Ruby - I am so sorry. My sympathies and prayers are with you and your family.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
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