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Debt free & tidy diary

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Comments

  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Lurker1972 wrote: »
    That soup was SCRUMMY!!!

    got one in fridge for tomorrow, the other am freezing as experiment

    I hardly recognise myself with all this cooking malarky!!
    :T

    A similar epiphany is happening at Fresian Towers - I made a fritatta last night. Six months ago I wouldn't have known what that was :rotfl:
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    well, today will be the first NSD of the month - not looking promising to hit the 15 target! but will keep trying

    today will be spent pottering about at the housework resisting the urge to make cakes.....not good for the diet, sorry, I mean healthy eating plan!!
    Might also start sorting some bits out for holiday, but that could wait until after the weekend, should really be concentrating on the car boot stuff!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi lurker - if you've been stuck in boring uniform for 20 years I figure you deserve some lovely new work clothes. Hope you make the most of your last few days of freedom!
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    so here it is, the last day of my enforced holiday. to say it feels strange is an understatement!!
    not sure that I've achieved much, but theres no doubt I'm much more chilled than I was, possible more so than I ever thought I could be.

    the majority of the hush money has gone :eek:, but - I have nothing on my credit cards, bankof mum & dad can be repaid once regular saver matures, the house has been insulated (& is now very stuffy) so it could be worse. I also have new spreadsheets (OCD kicking in there) & can get online valuation of ISA whenever I want - its now worth more than I have paid in which is a huge relief - little things that I've thought about doing but never got around to...don't want that to be the motto any more

    The hard part is going to be managing on lower salary without any overtime being available, but with the new found near-ability to cook I am catiously optimistic

    Today is NSD 2, tomorrow will be a small shop & Sunday should make NSD if I can stop myself from wandering about the car boot sale as a buyer! am selling, selling selling....if i repeat that enough times it should sink in

    need to clean bathroom & cloakroom, my least favourite jobs, & hoover stairs & landing, then I can look in cupboards for more carp, sorry meant treasurers for Sunday
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi lurker - at least you are now in mse mode - that has to help!

    Anyway - I just got the call - I have a 6 month job on fab money!:j:j:j:j:j:j:j:j:j:j:beer::j:j:j:j:j:j:j:j:j:j
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    thats brilliant news!!!!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • Enjoy your weekend off, but I bet secretly you can't wait til Monday can you LOL. Make sure you post and let us know how day 1 goes.
    Start Date: 27/11/2010
    Padding: Day 42
    Target £8000
    Amount: £562.23
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    Enjoy your weekend off, but I bet secretly you can't wait til Monday can you LOL. Make sure you post and let us know how day 1 goes.

    In all honesty (cos I can be honest here, no need for the brave face)? Am TERRIFIED - its so new, not just the employer but the area....everytime I've changed jobs before it always been different bank or building society so I've had background knowledge to get me through. This time I know nothing...which for control freak is not good

    hey ho, maybe I should start new diary (with better title, cos this one is dullsville) on Monday....new job, new diary.......
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you do start a new diary - make sure you link it!
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    link it?! like I'd know how to do that....although F_F usually comes to my rescue with techno issues.......

    No, for now I'll stick to dullsville title, suits me really...what I'd really like to change is user name...not really just lurking now!!

    stairs & landing hoovered, have discovered the front door is leaking, whoopee, hopefully his nibs can fix that, bread maker on & I've just detroyed a stale loaf & made huge tub of breadcrumbs...not that I actually know what to do with them...old styleees here I come!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
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