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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi SC - hope DH copes back at work okay - is he going back part time at first?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Oooh.... all this chocolate talk is making me twitchy......must be good, must be good ...:rotfl:0
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Very glad they want to see you again SH, and if you were to get it it wouldn't be interim and that would be even better
"I am indelibly stained by hope and longing" - Nuts in May0 -
Hey zippy - ignore all records of gifts in case they get recycled LOL!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
P.S. Karen I've just noticed your sig...might make you feel better to have £0/£150 instead of /£300 as it's £5 a day not £10? ...it's the little things that keep you going
"I am indelibly stained by hope and longing" - Nuts in May0 -
But of course! And the same in return!! :Asavingholmes wrote: »Hey zippy - ignore all records of gifts in case they get recycled LOL!"I am indelibly stained by hope and longing" - Nuts in May0 -
Thanks Zippy!0
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My DS is currently preparing for SATS - he just suggested that we needed to bake a cake so he can practice fractions... ! told him nice try but no!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Clever chappie!! I might give that a go with OH.......keeping in touch with my mathmatical skills.....:p0
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Well today
I had my lie in. Have since put on one load of washing and claimed JSA... A bit depressing but there we go... So my line up for tomorrow is interview for a job first thing followed by JSA interview in the afternoon - not quite the same are they! I need them to set up times that don't clash with kiddie school pickup or it will cost me £8 a day to sign on - can't have that.... Hope they don't give me any grief. My after school club have agreed to suspend her place but keep it open for her so hopefully they won't give me a problem over it:rolleyes:
I also have paperwork all over the lounge floor that I only tidied yesterday LOL! I thought I'd set up a spreadsheet to show all the jobs I have applied for to a) show JSA people and b) give me a basis on which to chase the agencies saying the proverbial "gis a job"!:rotfl:
Trying for an NSD today and have joined the small dfw daily thread in the hope I get motivated to do some housework too! I let all build up :eek: saying - I will do it when I am off and obviously now I am off I am looking for my next excuse - any suggestions?:rotfl:
Right off to reward my efforts with some lunch now...
How is everyone else getting on today?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250
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