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Trials and tribulations of a Debt Free Wannabee!
Comments
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            Hi sholmes hope voice better soon.x0
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            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 10/10/250
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            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 xx0
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            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 20340
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            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 10/10/250
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            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 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
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            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 toAchieve 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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 Don't think the unagreed Trick or Treating helped his cause either...:cool:savingholmes wrote: »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!
 I think he's got one up on me too!:rolleyes:savingholmes wrote: »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 :rotfl: :rotfl:
 Wot they saidIn_my_dreams wrote: »Hope your voice is better and back tofull shouting strength soon  "I am indelibly stained by hope and longing" - Nuts in May0 "I am indelibly stained by hope and longing" - Nuts in May0
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            Hi SH
 Just catching up on your busy life! Hope your throat is feeling better now.2019 fashion on a ration 0/66 coupons0
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            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 10/10/250
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