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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi elbereth nice to see you here too!
Xfactor was good - I like Lloyd but he is definitely the weakest - him and the twins. Thought Rachel did much better today but so did the rest!
Another washing load now in - no 4! I have clothes hanging round everywhere downstairs but must confess the dryer is on as well!
I have just done an Asda online order Managed to get it down from £104 first attempt to £84 after some tweaking. Should largely restock my freezer and tin cupboard. Hope there will be loads left at the end of the week... We will see! I stocked up on household items too this week!
I don't get paid from my new job until around end of Nov.... so we still need to be careful!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 had a very lazy weekend - did a bit of cooking and a token tidy but spent most of the weekend catching up on various diaries
Phew... read all of yours over the last few days and you have certainly been on a roller-coaster with the job hunting:eek: Glad you have found something that suits but hope the hours aren't too much over time. I do admire all you mums who juggle full time work with home kids and everything else. Your ds and dd sound lovely - well grounded.
Your oh is not the first to forget to pick up dd from afterschool - you would be amazed how often parents have to be rung after 'mix ups' with arrangements LOL - I have done afterschool at my work for some time now. I always feel so sorry for them - kids don't seem to bother but the parents feel sooo guilty. It's all in a days work for us - and some of the excuses I have heard LOL
It feels so late cos the clocks changed and it went dark so early.
MilannJanuary spends - £587.580 -
HI Milann - well done for reading the whole thing! :AWow! Thanks too for the support. :TYes my kids are fab as is my MIL in practice. My OH means well just gets it wrong quite often just like we all do!
Job hunting has been a rollercoaster. I am trying to be grateful for what I've now got - and not jeopardise it - but in practice I am still looking as it is about a third less over the year than I earned from my main job last year!
I wrote a longer reply but it has disappeared so I will give up for now!
See you all 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 -
Well today I got to go on the internet at lunchtime for once. Hoping for my first proper lunchbreak since I joined. Got a busy week planned but so far seems manageable so still feeling quite positive.
Was really pleased last week - I took £30 cash out. At the end of the week I gave £10 to OH, £4 to DD and spent money on chips and still had some money left for lunches this week so was chuffed!
Hope you are all having a good start to the 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 -
Hi guys -well I have joined a new bingo site as per hypnos thread so we will see if I manage to win anything. You deposit £5 and then for 30 days if you log in and play everyday they give you a free £5 to play with - and you can withdraw any winnings - watch this space - really hoping I win something!
Also picked up a couple more new cushions for the lounge. They are red and cream stipes in chenille from poundstretcher extra at £6.99 each. Also picked up a couple for DS's daybed so was pleased with that! They had run out Saturday when I tried to get them. Relieved!
Today at work went well - had quite a good day so feeling more positive about the role! It is half term tho so less people in which may be contributing to a lighter feeling about the place!
Had lovely left over lamb for tea - yum!
Looking forward to watching flashforward later! Any other fans out there?
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 -
i noticed there was another flurry in the bingo department going through the diaries ...good luck with it all0
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Really hope I win as otherwise I will be £5 down. Hypno doing well tho just hope it works for me too!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'm sure it will ...i think the bingo sites like to keep people interested so they kinda arrange for a wee win every now and then0
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Glad the job is going ok. I really need to look at the bingo and stuff, must try harder! Good going on keeping the £30 going all week, wish I could be so successful!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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Good to hear positive vibes at work. And well done on the £30 lasting :T
What time do you have to leave in the morning - did you say it was some unearthly hour????
I've had a good 1st day of half term - even managed a swim - 1st in a loonngg time.
Went into town and got a bit sidetracked looking for a box or bucket of popcorn to go with cinema voucher for Chrissy pressies - anyone see any this year - I know they used to do them
MilannJanuary spends - £587.580
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