We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Trials and tribulations of a Debt Free Wannabee!

1148149151153154270

Comments

  • Hi sholmes hope voice better soon.x
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi BTD - I think voice going was a combination of having a sore throat earlier in the week - and shouting around for my missing DS yesterday!:eek:

    Seems a bit better now.

    Well quidco has paid up so that is another £70 back in my bank account, about half of which I think was profit!
    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 10/10/25
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Phew! Just caught up on your diary. You sound as though you are super busy!!!

    Hope you throat feels better soon and you have a good week ahead. Sorry not had chance to pop in of late, life seems to be taking over at the moment :rolleyes:

    K xx
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hope your throat improves SavingH!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi karen and cmd nice to see you here again! Downstairs looking tidy for once - as we have an adult visitor! New cream and red cushions looking nice 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 10/10/25
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    You sound mega organised today! Hope your voice is better and back tofull shouting strength soon :)
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks IMD - not sure about mega organised tho! I still have to finish washing and drying stuff altho it can wait until tomorrow if it has to
    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 10/10/25
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    Yes he totally scared me! I had him blubbing for about 20-30 minutes tho b4 I told him he could go to the party after all! He is having his pocket money docked for this month - but I've told him if he is good I will give him the docked money at end of Nov so he does have a chance to get it back - as he wants to buy xmas presents with it - bless! He's also on an electronics ban when we are in but not when we are not as I think he would struggle being home after school alone without his blessed computer LOL!
    Don't think the unagreed Trick or Treating helped his cause either...:cool:
    Yes it is a girl's birthday party. One 17 year old lad wore tights, pink tutu skirt and even curled his hair! He still looked very boy tho! My DS looked gorgeous with orange hair with glitter in! The glitter was kind of an orange bronze effect too so he totally looked like a performer rather than an idiot! He loves the orange hair ! They had hired a young lad to do the djaying and it was really good -so he had a good time. he has another party tomorrow afternoon and then a firework event!

    So why isn't my social life more exciting :confused::rotfl:
    I think he's got one up on me too!:rolleyes:
    Hope your voice is better and back tofull shouting strength soon :)
    Wot they said ;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hi SH
    Just catching up on your busy life! Hope your throat is feeling better now.
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi bz and jellie

    well survived another day at work - feeling better about it at the mo - hope it stays that way

    bingobritain going well - won another £15 for free today. Struggling to withdraw from kjp tho.... hope I get problem resolved. I have just redeemed another £5 from bp tho so that is all to the 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 10/10/25
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.