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Trials and tribulations of a Debt Free Wannabee!

19798100102103270

Comments

  • Hi SH,

    Just wanted to add belated Congratulations on your new job and good luck for the interview for the permanent job.

    Hope you enjoyed your pizza :D

    Tea
    xx
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Tea

    Well survived visit to family today. My brother arrived as well with his kids which was the highlight!

    I gave my mum a lovely hamper complete with sanctuary items any everything, and some loreal detox cleansing wipes, choccies, books, all sorts - her response are you hinting at me....??? I give up.... I gave her plants she asked for as well?! Kids enjoyed it so that was one thing at least. My DS livened things up by taking water bombs with him LOL

    I am doing sunday school tomorrow - still need to finish my talk... then need to crack on with preparing my presentation for Wed in between doing all the washing!

    Hope you are all having a good weekend.
    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
  • tigzem
    tigzem Posts: 2,361 Forumite
    Congratulations SH.... really pleased for you :j xx
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    water bombs ...ahhh memories ...hope you joined in
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks tigz and el - the water bombs were great fun. My brother and son were soaked - the rest of us got off reasonably lightly!

    Managed to prepare the talk - it went okay. Kids are both out on play dates so do I relax and read or prepare my presenation? Hmmmm I know I should do the presentation but I got a load of Nora Roberts books from the library and they are calling to me.....

    Problem is if I don't get the presentation sorted - I am going to have to send DD to MIL's before I would otherwise do - but if I get it done we could go out for the day tomorrow.... hmmmm
    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
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Problem is if I don't get the presentation sorted - I am going to have to send DD to MIL's before I would otherwise do - but if I get it done we could go out for the day tomorrow.... hmmmm

    Hope you're off doing the presentation and then you can relax and have a fun day tomorrow :j
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    PS if it were me I'd be curled up on a rug in the garden reading the book but do as I say not as I do!



    Arghhhhhhhhhhh I have become my mother :eek: :eek: :eek:


    I'm off to do something wild wacky and totally unlike the woman who gave birth to me :rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ShelleyC wrote: »


    I'm off to do something wild wacky and totally unlike the woman who gave birth to me :rotfl:


    water bombs ...saving can show you how its done tomorrow when she is out with little savings i am sure they are a dab had at it by now
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    what Nora Roberts book you got ?
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    elantan wrote: »
    what Nora Roberts book you got ?
    I've just read Face the Fire the last in that trilogy and am about to read the second in the Morrigan's Cross trilogy.

    I am really pleased with myself - I have done the first 2 of my topics to a high standard... now just need to work out what to say about how wonderful I am and why they should have me.

    I am going to spend the day with the kids - and use some of my clubcard tokens so that should be nice. My kids have been out at friends playing today - so I may return the favour for one of the kids and take them with me....

    Hello to everyone else too - thanks for reading and posting it makes it more interesting for me ! Shelley go and buy some water bombs you know you want to!
    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
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