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Trials and tribulations of a Debt Free Wannabee!
Comments
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Rather fed up today. Only finished work at half six having started at half eight this morning... Given that it is at least an hour home - a bit depressing. Definitely feel like I don't really have a life at the moment. I have arranged to go out with a friend Friday night to try and give myself a life back again LOL!
DD has been ill and at my MIL's for 2 days - picked her up now tho. On the plus side of that altho it took £5 petrol to take her there - it has saved £15 at the drop in after school club! So £10 up LOL!
I have won £15 on BB again too - really pleased! Scratchcards were all 10ps today tho but nearly at withdraw level on one.... Hopefully tomorrow will be a good day for that one!
Oh well bye for now. Hope you are all 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 -
Well done on the bingo. Think I must get OH an account. Won nothing today but managed to withdraw.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
hi lucielle - It's OH's account that seems to win the most LOLAchieve 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 -
Good start to the day - withdrew £10 from free daily scratchcards. OH said with a cheeky grin - free money - can I use it to buy my games - I said no as he hadn't put any effort into getting the free money - and said I wanted it for xmas stuff anyway! Men!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 -
Hope your day isn't as long today. I generally leave about 7.30am (obviously not today!) and get in way after six in the miserable dark - not fun is it?
I need to do bingo and scratchcards! Help - where will I find the time!!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 -
hey saving sounds like your daughters new shoes and wellies are gonna be great for winter ...can you posibly not "stretch" them for her ? sorry to hear he isnt too well though ...but yay on the saving of the £10 and lifting the other £10 money up well done ...0
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Hi IMD and el
well DD decided to get me out of work today - school phoned for me to pick her up. Looking at the positive - Saved on afterschool club today too! Not sure whether I will get paid for a full day but worry about that tomorrow!
Her shoes and wellies should last for a while - bought a bigger size and put in an inner sole!
IMD - I do the scratchcards while eating my breakfast - and do BB then too! Off to check now whether I won this morning....! I do bingoport at night while watching TVAchieve 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 £15 on OH's - defo worth a number in your username I think! He seems to win more than me! woohooAchieve 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 -
sorry to hear she still isnt back to normal hope she feels better soon ...have to admit i dont do any of the bingo's...well done on the win ...brilliant0
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Thanks el - she is a cheeky little minx as she seems okay to me. Pale yes - but otherwise fine! Apart from DS has decided to go and wind her up so I can hear squeals now! I need to persuade mother in law to have her back or my friend to look after her... Can't afford to get called out of work again!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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