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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi BTD - the metal tags were just from a quirky little shop. It isn't a chain or anything and just stocks really unusual stuff!
Well I have managed to find one cushion the right size for DS's day bed for £6.99 in poundstretcher - black faux fur which is what he wanted. Just have to hope they get another couple in to go with it. His room despite the money we've spent on it his year is a complete tip! He has been told he has to sort it or else LOL! The problem is that our bedroom isn't exactly a shining example either!
The kids have also brought all the clean clothes into the lounge for me so hopefully I can sort those while watching tv later.
We are having chicken korma for tea - probably going to cost just under £5 so not too bad!
Bye for now!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 -
You're certainly making the most of your last week, you'll be going to work for a break!1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
0 -
Hi IMD - think you are right there.
Managed to get most of the clothes sorted - all underwear and socks bagged up by individual - with the lone socks still gathering in the basket! I also have about 5 piles on the living room floor - one each plus and extra one for towels etc and a basket of ever growing ironing... Can't remember when I last did the ironing which is not a good sign - grateful it is only a basket and a bits worth altho I have a horrible feeling there may be a few more items lurking upstairs!
Watched flashforward - liking that. I am planning to go to bed a bit earlier tonight as part of getting ready for next week. I am giving myself about 8 more minutes surfing and then it will be time to switch off.
We have our owl monitor up and running now - but it does keep losing connection. It is a good prompt for switching stuff off! Interestingly - we checked our last bills and rang up with new readings. They had underestimated by £200 - but since they had overcharged us originally by what they thought was £500!!!!!!!!!! we are still quids in - so we are going into winter with a £300 credit which is fab!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: »Hi IMD - think you are right there.
Managed to get most of the clothes sorted - all underwear and socks bagged up by individual - with the lone socks still gathering in the basket! I also have about 5 piles on the living room floor - one each plus and extra one for towels etc and a basket of ever growing ironing... Can't remember when I last did the ironing which is not a good sign - grateful it is only a basket and a bits worth altho I have a horrible feeling there may be a few more items lurking upstairs!
Watched flashforward - liking that. I am planning to go to bed a bit earlier tonight as part of getting ready for next week. I am giving myself about 8 more minutes surfing and then it will be time to switch off.
We have our owl monitor up and running now - but it does keep losing connection. It is a good prompt for switching stuff off! Interestingly - we checked our last bills and rang up with new readings. They had underestimated by £200 - but since they had overcharged us originally by what they thought was £500!!!!!!!!!! we are still quids in - so we are going into winter with a £300 credit which is fab!
Your doing brill but get to bed Mrs - that was one of your resolutions!!! Lol!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Still to do today/this week:
* [STRIKE]Pick up kids from school including play date Tues[/STRIKE]
* [STRIKE]Unpack and pack the dishwasher am[/STRIKE]
* [STRIKE]Clean the kitchen counters[/STRIKE]
* Hoover the lounge
* [STRIKE]Bring washing in from line once dry and [/STRIKE]put away immediately :rotfl::rotfl::rotfl:
* [STRIKE]Empty 2 kitchen bins[/STRIKE]
* Finalise my contractual pay - and arrange for umbrella company to send new company an e-mail with forms and schedule etc drafted and sent to new employer for approval
* [STRIKE]Sort all the newly washed clothes and[/STRIKE] put away
* Iron clothes where absolutely essential
* Sort through crates and find homes for things (part of declutter initiative)
* [STRIKE]Do this week's shopping [/STRIKE]- just done top ups - need to perhaps just buy for next week now
* 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
* Get hair done Thursday
* Go to school play Thursday
* Help set up and help at youth event Friday
* Go to parents Saturday down south
* Go to London Sunday to uncles before coming back and getting ready to start work on the Monday (a long trip but pre-planned before I knew I had a job!)
* 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
* Belly dancing Tues night - abandoned
* Work Wed am!!!!
went to bed 30 minutes earlier - will aim for 11pm tonightclearmydebts wrote: »Your doing brill but get to bed Mrs - that was one of your resolutions!!! Lol!
About to do [STRIKE]free daily scratchcards and then have a shower[/STRIKE] LOL! Just threw on clothes and took DD to school this morning. Despite extra 30 mins in bed last night - still really tired!
I may see if I can [STRIKE]go out with a friend for coffee later[/STRIKE] today as other than Friday will struggle to fit it in this week! Can't believe how much is being crammed into this week - and most of it can't move either :rolleyes: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 going out to meet friend for coffee
Feel very virtuous - just cleaned the toilet, washbasin and bath in the family bathroom and emptied 3 upstairs bins! Shame there is just so much more left to do all over the house - typical too that I did things not on my list above!
I have also stuck in another lot of washing. The washing already on the line isn't dry yet - I left it out overnight LOL - but it is still damp!
Catch up later! My MIL is probably coming over on Thursday which is adding an extra spur to the house cleaning/decluttering emphasis this week!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: »Well going out to meet friend for coffee
Feel very virtuous - just cleaned the toilet, washbasin and bath in the family bathroom and emptied 3 upstairs bins! Shame there is just so much more left to do all over the house - typical too that I did things not on my list above!
I have also stuck in another lot of washing. The washing already on the line isn't dry yet - I left it out overnight LOL - but it is still damp!
Catch up later! My MIL is probably coming over on Thursday which is adding an extra spur to the house cleaning/decluttering emphasis this week!
You are making great strides this week!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Coffee with friend was nice - but have a new dilemma.:o Have interview for perm job and better money tomorrow but new temp job company have rung and asked me to go in for half a day :eek: Have rung interviewing co to ask for a later slot - am now awaiting a call back! Talk about having a complicated life!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 have managed to get the time put back a little bit for the interview tomorrow so hope that it will all work out! EEK EEK. Have brought one lot of washing in from the line - need to put the next lot out!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 -
Have managed to get interview moved but only slightly it is going to be a full on day tomorrow!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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