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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • :hello:

    Thought I'd come and gate-crash your thread :p

    Babysitting 7 kid???!!!!!!!! Jeez, that's what I call brave! I don't think I'd ever have the patience. You must be a saint :rotfl:
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Your sig is coming on Shelley - gone up 0.6% - fantastic!

    Thank you for noticing I thought it was only me who saw the tiny gains I'm getting.

    Sore to hear about bike repairs required. I know your pain over vehicle costs :mad:

    7 kids - blimey I'd cower and shake at the thought of that :eek:

    Enjoy Cornwall you deserve lovely break.
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Maya - more than welcome to join the party here! :beer:Thanks for posting!

    :THi Shelley - I keep an eye on that sig in the light of your handbag and sunglasses spends LOL! :rotfl:I am sure when you are house savings the % points are not that tiny really!:T

    We were expecting the motorbike costs so were grateful it wasn't an immediate £500 but yeah not great timing. OH would like a newer bike as £500 is more than the bike is worth but I said to him if £500 would keep it on the road for another year -we could be nearly debt free by then if I get a job so lets review it then. He was okay with that in practice...

    I "only" :rolleyes: had 6 kids in the end - 2 were out but they'd replaced one by letting a friend come over :rolleyes:. The older kids were about 10-12 - 3 of them - hardly knew I had them the 3 that were 2-6 did the whole I need a drink, wee, music, company thing a few times but since I've babysat before and am stricter than their parents about bedtime they knew that I meant it when I sent them back to bed! :rotfl:I got lovely kisses from the adorable 2 year old and a cuddle which considering my week was very welcome!

    Just withdrew £10 from a daily scratchcard so that was a nice start to the day!: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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I just had a thought about my keys.... DS has been away most of the week but so have my keys Iykwim.... I went and looked on his desk and lo and behold there were my keys GRRRR and fantastic all in one.....

    Now I can get on with packing for cornwall - still also need to do final timesheet and expenses for the job I've just left too!
    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
  • only 6 kids, well that was probably a lot easier than 7 then :rotfl::rotfl::rotfl:

    Shame about the job, but I'm sure you'll find something better soon, where they are a good "cultural fit" for you rather than the other way round :p. What's that all about anyway... if you can do the job, you can do the job!
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    enjoy cornwall
    loverly down their this time of the year,,,
    use to go their every year and devon when we were kids

    before they ruined it with large roads!!!!
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    I keep an eye on that sig in the light of your handbag and sunglasses spends

    :eek: You are in fact keeping an eye for a chance to tell me off or tattle on me to CAFC. You are a MSE evil genius :rotfl::rotfl::rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    Oh my god SH, I am stunned, what a curveball that is, i had to read your post about 5 times before it started to sink in

    hugs & silver lining visions are coming your way, enjoy your break!

    xx
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :rotfl:
    shaun40400 wrote: »
    enjoy cornwall loverly down their this time of the year,,,
    I really hope we will - really looking forward to it. We are going in an apartment/cottage style thing but there is a pool and play area on site and should be some kids clubs.... hope so!:D
    ShelleyC wrote: »
    :eek: You are in fact keeping an eye for a chance to tell me off or tattle on me to CAFC. You are a MSE evil genius :rotfl::rotfl::rotfl:
    :eek:What are you trying to say ? :confused: Me surely not? :rotfl:
    Lurker1972 wrote: »
    Oh my god SH, I am stunned, what a curveball that is, i had to read your post about 5 times before it started to sink in

    hugs & silver lining visions are coming your way, enjoy your break!

    xx
    Thanks Lurker I am completely gob smacked the only good thing is I am getting 5 weeks pay for 1 week's work so that is something at least... :o

    Well all main clothes now packed.... still rounding up shoes, coats, and "extras", toiletries, straigteners etc:rotfl:We all know how good I am at finding things so this should be fun!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Have a brilliant time SavingH.

    You really deserve it!
    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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