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Trials and tribulations of a Debt Free Wannabee!
Comments
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Too right SH, for some reason men think that having a full time job means they can get out of helping, when us women have to do a full time job and look after the home and family!!! Had the same problem with DH on Tuesday, and all I asked him to do was to empty the bins ready for bin day!!! Went round the house in a strop and banging every bin he'd emptied!!
Glad the job is going well
x :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
hi guys - just got in from work!!!! About an hour later than expected but there we go! I now have a conference call tomorrow morning as well to explain things but at least I don't have to go in.
Looks like my kjp withdrawal worked so only lost £4 on them!
OH got his 0% approved - but not for the full balance but most of it which was good.
Bye for now - just winding down a bit before bed!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 -
Won another £5 on BB and £14 in clubcard tokens arrived today.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 -
Ouch, home at 1am??? Hope your still nicely tucked up in bed enjoying the lie in
xx :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
DD off sick today so had to get up! :eek:Woke up with bad cramp at 6am myself - was in agony and nearly fainting! :eek::eek:
Phone call from work shortly to discuss the work I did last night!:rolleyes:
Hopefully after that will be able to laze around on the couch!:j
I've let OH take the car today as he got absolutely soaked yesterday. Just found out tho that we are nearly out of milk! Will have to trek a whole 10 mins each way to the shop later to get some LOL! :rotfl:
OH got a fantastic offer yesterday - someone he met for the first time !!!! had bought a new bmw motorbike and they offered him their 10 year old bmw tourer style motorbike. :jHe thought probably didn't mean it but they sent him an email when he got home confirming. Even at 10 years old it is very close to his dream bike so if he gets it that will be fab! They've said he is free to sell it if it isn't what he wants and use the money to fund a new one!!!! Amazing !!!! Will hopefully mean that the £100 we were due to spend on a new tyre for his old one we won't need to spend! We may also be able to sell his old one and get something for it!!!:j:jAchieve 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 -
Hope you get a lazy day after the conference call
Good news on the motorbike too!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
well I've done my work call - so hoping will be left in peace now. Just hope they don't mess up my good work with their poor delivery LOL!
Right going to check electronic banking now and see how things are doing!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 looks like I have made a £36 profit on bb so far so that is pretty good!
bank looks okay - not perfect but good enough considering I won't get first pay until end of Nov. It could delay a week or two even before we would start to struggle so that's good.
Hope everyone else is okayAchieve 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 -
£36 profit well done :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0
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Well managed to transfer £3600 to 0% card. Also paid off £300 on one card this month (£200 more than normal) - but had to pay £153 transfer fee tho almost eaten up! At least we could get 0% tho!
Ideally need to find a new card to transfer to for Jan..... for about £4.7K or so - hope I can!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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