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Trials and tribulations of a Debt Free Wannabee!
Comments
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No at least I am not the only one...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 10/10/250 -
Ta very muchsavingholmes wrote: »Well my sister is now safely married. Everything went really well - their friends were a credit to them... Everyone looked gorgeous.
We thought so too...even if everything was massively behind schedule and the bride was *ahem* 30mins late for her own wedding!:o:rolleyes: Oops!:p
Thanks bevan!Yay Well Done Bigzippy xxx
Twas indeedclearmydebts wrote: »Good stuff. Sounds like a good day was had had by all.
Sounds like you're doing well SH. It's rubbish you're still in this predicament but you seem to be coping well. And the novel's comin on well too. Those jars are a mint idea! And no I won't tell a soul and will be suitably impressed if owt comes my way
And hey, if you're still wanting to sign me up on all those bingoport thingies, and get yourself some points etc, you could come this week and help hopalong out? :A I only blummin' managed to return from honeymoon in Scotland on crutches...!! :shocked: So stupid.:rolleyes: And after dad's speech at the wedding about me breakin bones etc too...!:rotfl:"I am indelibly stained by hope and longing" - Nuts in May0 -
I hope your interview goes well SH- will be thinking of you. Well done for getting this far with it.2019 fashion on a ration 0/66 coupons0
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BigZippy - you do realise that date is like a neon sign to your identity LOL! And therefore potentially mine!!!! Glad you got back from honeymoon alright... I need to ring you about something - I've got an interview at the last place you worked!!!!! Oh the irony....!
Thanks Lucielle and Jellie for popping along! Hello to all my lurkers - hope you are doing okay!
Got up extremely late today like an hour ago but I was shattered. I was trying to send a trolley online to Asda last night at 1am and it wouldn't work. Still won't work now so potentially going to have to step into temptation city and actually go in the shop LOLAchieve 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 10/10/250 -
PS My big pension refund arrived today - which is an absolutely lifesaver, we would otherwise have been about £800 short this month, as it is it should help us survive a few more months even if I don't get a job yet....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 10/10/250 -
Thats great about the refund !0
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Hi Claire - thanks for posting
It is a big relief. The pension company wasn't sure if I would get it this month or next so potentially it was going to be a bit of a juggle otherwise. Hopefully if I don't get sucked into frittering my money or buying more than I should for xmas we should be able to stay out of new debt quite a while longer which would be fab! I contributed to the pension as a) I hoped the person I was covering wouldn't come back from maternity leave and that I would stay with the company and b) because it is enforced savings in an account where I couldn't touch it. As it is it is now available just when we need it most.
I was saying to my OH when I first set up this diary I thought my money would last until Sept, now I am hoping we might get thro to Jan/Feb next year before trouble really strikes... And that is despite being due a new set of tyres... By then we should also owe about £1.5K less than we do now which is amazing considering that is on one income plus savings!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 10/10/250 -
Hadn't thought about it tbh. And no way! That's random!savingholmes wrote: »BigZippy - you do realise that date is like a neon sign to your identity LOL! And therefore potentially mine!!!! Glad you got back from honeymoon alright... I need to ring you about something - I've got an interview at the last place you worked!!!!! Oh the irony....!"I am indelibly stained by hope and longing" - Nuts in May0 -
Finally managed to send my order to Asda. £66 - so now if I can just resist going back for top ups that wouldn't be a bad grocery figure!
I think I will make spag bol for tea - have all the ingredients in the freezer I think and would be quite a cheap meal! I'll see if I have enough ingredients to make double as that would save work another day!
Hope everyone else is having a good weekend. We are being very chilled. Only my DD is dressed LOL! I'm not sure the rest of us will bother today!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 10/10/250 -
PS I had a free delivery code too so that saved me £5 and my multibuys saved me £8.52 and swapping and saving on mysupermarket saved me about £2 as well! I have made enough for 2 days so will probably freeze one lot complete with pasta and that should make tea a bit easier another day.
My delivery is coming for between 7-9pm tomorrow so I may try and batch cook some things once the kids are in bed tomorrow too!
Well I suppose I really should start doing the washing........ esp as we are thinking of going out for a walk at a national trust property tomorrow after church! May go and see MIL too on way back as plan to drop DD at hers Monday for tea now appears to have been kyboshed... Not told her yet tho....
May get OH to ring her after all I have spoken to her yesterday and today - DD lost another front tooth so had to ring her nan to let her know - bless. Told her the tooth fairy might be on strike... MIL said perhaps she could manage 10p or something... DD normally gets a £1.... Probably still will!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 10/10/250
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