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First one to clear 15k gets a paper hat
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Hi I've been avoiding you all as not done promised letters - had a very busy w/e where nothing went to plan.... Hope you feel better soon CAFC girl...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Finally some progress. Paid £100 off my barclaycard. Next month, fingers crossed,it should be gone.
So looking forward to that.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hello paper hat gang and welcome to the new challengers! I've been away for a week and managed 4 no spend days in that time (not counting food though - a girl has to eat). A few months ago I would have just spent like it was going out of fashion but oh no, not this time (now it's just my clothes that are going out of fashion :eek:)! No souvenirs or airport perfume or magazines for me either... :T I see there has been some bum-kicking going on around here in my absence, so I'll jump right in with my own little POA for today. Here goes (gulp):
clean kitchen, living room, bedroom (perferably while listening to loud up-tempo motivational music)
phone mum
write emails
re-do budget for the month :eek:
chase up missing cheque :mad:
do French homework
pick up stuff from OH's
meal plan and shopping list
get a nice warm bath and finish reading funny book... ahhhhh;)
Come on the rest of you, let's get moving! :j0 -
Anyway.....
Did quite well today, didnt spend a penny, took lunch into work.
Dinner from the freezer tonight as well, so tiding ourselves over with what we've got indoors.
Hope everyone has been having a good debt busting day!Wealth is not measured by currency0 -
I did accidentally spend £6 in Poundland, but I needed most of what I bought so that is okish, especially as I offset that with £30 extra into my ISA. I also spent £2.50 on my lunch at work for the next two days instead of taking it on from home.
Oh and on my POA - well I did have a bit of a rummage around matched betting and I think I will need to carefully plan when I give it a go because of the initial outlay - it isn't a spare cash that you get back in a few days sort of a time of year is it???
Because I had decided that ^^^ I then thought I shoud repent for not starting MB yet so I spent a bit of time working out different scenarios for my final pay in my current job and my first pay in my new job (not entirely sure what either of them will look like???)
My ISA should be up to about £2k by at the start of January :T (If I am a very, very good girland if I have got my sums correct:o )
£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
I had a small spend thought I was going to manage a NSD but needed to stock up on paracetamol & ibuprofen as I've got stinking cold :doh:
Well done to evryone paying off debts and following their POALooking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
I had a small spend thought I was going to manage a NSD but needed to stock up on paracetamol & ibuprofen as I've got stinking cold :doh:
I reckon that is allowed, I hope you feel better soon£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Letters not quite written yet...
I've just had to extend my o/d limit as work haven't paid expenses yet. Have chased and it will get sorted this week but not quite on time IYKWIM. I have put some safeguards in place at work too to ensure this can't happen again...
I'm trying to get up to date with my ironing and washing - which will reduce the temptation to buy clothes for me or the rest of the family.
I have also been trying to get all my pressies wrapped so I can see how much I've got and so am less tempted to spend more.
Those two are probably more realistic for my poa with how I am feeling this week...
Have a great debt busting week everyone!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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