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First one to clear 15k gets a paper hat
Comments
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:rotfl:pmsl sorryProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
So, Lady Doodles of Two Houses, will you be back here with full gusto now you have your nice shiny new house£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Yeah definately I need to get back on track for sure, whether it be saving or debt busting.
It's easy to get carried away when you know you have a large lump of cash coming your way and I really really want to start building a nest egg.
It may sound sad but I want to get a few grand behind me so I can at long last stand on my own two feet and not have to go to my parents to be bailed out when something happens.
Lots I want to do to the house too, but I am in no rush so will take it easy and do things as and when I have the cash.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Yeah definately I need to get back on track for sure, whether it be saving or debt busting.
It's easy to get carried away when you know you have a large lump of cash coming your way and I really really want to start building a nest egg.
It may sound sad but I want to get a few grand behind me so I can at long last stand on my own two feet and not have to go to my parents to be bailed out when something happens.
Lots I want to do to the house too, but I am in no rush so will take it easy and do things as and when I have the cash.
All sounds very good and sensible Doodles! Congrats on the house purchase. It must feel brill to have a place independent from where your ex lived as well.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Yeah it feels brilliant and it feels like "home" which is something my old place hadn't felt for months.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Pleased for you doodledoo!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 10/10/250 -
I just went onto the flylady.net website to try and motivate myself to make a start on my hideously dirty flat, I clicked on 'babysteps' and the first thing that came up was 'shine your sink'
My initial thought was 'that would be nice, but then I will have to clear the clean washing up off the drainer to do that properly and I can't put it away until I have tidied my cupboards as they are so messy' swiflty followed by 'I don't think I can face it'
I am not sure I am cut out for the whole clean house thing :rolleyes: I used to be good but somewhere I have become a slattern£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
paid you are not the only one -
I have 2 piles of sorted clothes in the living room waiting to be put away since sunday -
I have a suitcase - been there since Friday
etc etc etcAchieve 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 10/10/250 -
savingholmes wrote: »paid you are not the only one -
I have 2 piles of sorted clothes in the living room waiting to be put away since sunday -
I have a suitcase - been there since Friday
etc etc etc
My suitcase has been there for 10 days, behind my front door (there is no room anywhere else) getting in my way if I come in carrying anything. Dirty clothes are still in there.
I am half tempted to take a photo and post my hovel up to shame me into action :eek:, there would be utter shame though as there are bras hanging all over the place from when I hung them up to dry - lol (they are dry now, it is just acting as an extension of my bedroom)
Lazy, lazy, lazy
ETA: oh god, I just took a photo and it makes my flat look like something out of life of grime, I will have to clean it a bit just to do a 'before' photo£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
I am brutal at keeping tidy as well. At the moment I am feeling so ill all the time that poor OH is left doing everything. I feel so sorry for him.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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