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Trials and tribulations of a Debt Free Wannabee!
Comments
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Glad it's working out (so far at least) better than expected SH
SIL was asking after you too btw:)"I am indelibly stained by hope and longing" - Nuts in May0 -
Hi L - found the device - bank account looking reasonable as OH got paid today! Nice to reduce standing order to Cashback card. Also going to start getting benefit of lower elec and water bills too! Woohoo!
BZ - the parents were asking why those people pulled out of the trip - concerned if ill - send me an email if anything I should know about!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 -
Glad all went well SH and things seem good. Hope the rest of your week goes well xx0
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Hi Karen
Enjoyed today's course too. Possibility I could be a company champion and be trained as an instructor too - which could be a source of income when this contract ends. They liked me so would have a good chance of getting freelance work from them in the future.... Hmmmmm
Interesting what next week might hold....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 -
wow saving the good news is certainly continuing for you and that is fantastic0
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Thanks el
I chased up some expenses this week too from August! I will be paid it tomorrow which will helpAchieve 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 fantastic ...are you gonna get yourself a wee treat? doesnt have to be big ...but something for you ? if it helps you can tell everyone elantan ordered you to0
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Really pleased you are enjoying it and well done on the fantastically priced M&S meal 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
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Thanks IMD - the meal was gorgeous and so much cheaper than going out.
I bought some rotisserie chickens from Tesco - 2 for £7 which we had with roast potatoes today and will probably have with korma and rice either tomorrow or Friday!
El - I think the new clothes from matalan last week probably need to count as my treat - as I wont get my first proper paycheck until end Nov! I could perhaps look at getting a new music cd to go in my car - but not willing to pay more than a fiver lol!
My parents agreed to buy some bits that I have already bought off me for xmas to give to DD and OH so that is good!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 -
Nah nothing to write home aboutsavingholmes wrote: »BZ - the parents were asking why those people pulled out of the trip - concerned if ill - send me an email if anything I should know about!
I got two calls within half an hr from inquisitive family members when that email went out lol.:rolleyes:
You might get another customer! Don't think I'll be doing any mooching round shops before Christmas at this rate...:o Internet shopping, or a very specific list to DH, or it just won't happen methinks.savingholmes wrote: »My parents agreed to buy some bits that I have already bought off me for xmas to give to DD and OH so that is good!"I am indelibly stained by hope and longing" - Nuts in May0
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