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First one to clear 15k gets a paper hat

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Comments

  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    :rotfl:pmsl sorry
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • 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)
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    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 :D
    Racing Hypno to Save - £10/£5000
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    doodledo wrote: »
    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 2034
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    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 :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
  • 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 :D
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    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 10/10/25
  • poorandindenial
    poorandindenial Posts: 4,097 Forumite
    edited 18 August 2009 at 10:27PM
    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)
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    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 2034
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