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Trials and tribulations of a Debt Free Wannabee!
Comments
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Well I have been thro my piggybanks 2 of them anyway - and have about £13 in change which I am going to use for DS's school trip, once I've changed its format! Every little helps and all that. DD's school have also asked for a contribution of £1.50 for something - so I am tempted to send that in in coppers in protest! they are also doing a movie at the school which is £6 - plus a £10 trip in December... They have a new head - and he is far more demanding of cash than the old one seemed to be! We're not that desperate that we need to use our piggybank money but I thought we might as well!
Need to press on and get my tyres done tomorrow which is rather a depressing thought but better safe literally than sorry. My brakes are doing a funny squeal noise too so I will get them to look at that. If I am going to do 400 miles (just commuting) a week - I need to be happy that my car is roadworthy. I am thinking of ringing up my insurers too - as it is likely that I will exceed the mileage level I quoted to them... May wait until I am about to exceed it and then ask for a bigger amount! Won't take long at that mileage a week!
My downstairs is looking blissfully tidy - shame about the stuff we just chucked upstairs and the stuff hidden in the garage. Ideally I need to deal with that this week and get it sorted. I also need to catch up on the dread ironing and pre-cook meals. life never really stops does it - esp when you have kids!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 -
Well I am back to feeling a little stressed! :eek::eek::eek: Probably not surprisingly! :rolleyes: My tyres - even after getting a £16 discount for smiling sweetly
were £150 :eek: and my brakes even after I asked them to round it down by £4 were £70 :eek: so a total of £220 :eek::eek::eek::eek::eek:
Good job I am starting work soon! :rolleyes:
On the positive side:
* I used some of my piggy bank coins to pay library fine
(over £5:eek:)
* Swapped coppers for £4
* Used £14 in boots advantage card points to buys some makeup gifts on their 3 for 2 offer - so £20 of stuff effectively free
* Went to Tesco spent £31 but got about £7 of stuff free on multibuy offers and a Tshirt in their sale for DD. Skips were 50p - so bought 4packs lol - that is less than half price!
* Had a nice coffee in costa coffee as a treat while I started to read a library book that has been on my amazon wish list for ages!
* Have paid DS's school trip £12
Still to do today/this week:
* Pick up kids from school
* Finalise my contractual pay - and arrange for umbrella company to send new company an e-mail with forms and schedule etc
* Sort all the newly washed clothes and put away
* Iron clothes where absolutely essential
* Sort through crates and find homes for things (part of declutter initiative)
* Do this week's shopping
* Pre-cook some meals
* Make a start on de-cluttering upstairs!
* Cancel love film
* Pay for DD's school film night £6
* Interview for perm job Wednesday
* Sign on and off Thursday
* Sort after school club for Wednesday and pay bill of £15
* Sort after school club and poss breakfast club for next week!
* Try to go to bed earlier - and get up earlier in prep for next week
I feel exhausted just writing that list!:p
Only got 10ps on daily scratchcards 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 -
that sounds like a week of work to me!!!
at this rate you'll be going to work for a rest!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.0 -
Hi lurker - I think it is definitely a full week's work! If only I had started sooner LOL! I am actually better at getting things done when I am busier so am hoping that I will get a good chunk done over this week and probably the next few too!
I need to go and make myself some belated lunch too - and get off my proverbial backside and go and do some of said jobs!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 -
I know whatyou mean - the busier you are, the more you seem to be able to achieve!
i've lost count of how many wash loads I've done today & its all smelling lush out on the line! will almost make it a pleasure to iron....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.0 -
Now that's just sick!:rotfl:Lurker1972 wrote: »its all smelling lush out on the line! will almost make it a pleasure to iron....
Ironing is not a pleasure!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 -
I did say almost......
Would rather iron than clean the bathroom though!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.0 -
I don't like either! My OH cleaned the downstairs loo the other day - I was really shocked but in a good way!:DLurker1972 wrote: »I did say almost......
Would rather iron than clean the bathroom though!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 -
savingholmes wrote: »I don't like either! My OH cleaned the downstairs loo the other day - I was really shocked but in a good way!:D
make it his allocated task!!! its one of Mr Lurkers....takes him all day but does a bl**dy good job!
show him a iron though & he'd run from the house screaming!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.0 -
Hi where did you get thoose metal tags they sound lurvley!!!!0
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