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Trials and tribulations of a Debt Free Wannabee!
Comments
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Our Secret Santa is a fiver too - I cheated though and am recycling a present I recieved for my birthday - perfume bottle and paperweight in a pretty box - I will never use it and I don't really know the lady I have picked out of the hat so that'll do. Don't suppose it's the right attitude but it'll do for this year. Does anyone ever use paperweights
I don't :rolleyes:
MilannJanuary spends - £587.580 -
I don't think I've ever used a paperweight in action tbh milann. Unless it's one of those etched crystal/glass type things? And then they're usually...weighing down a glass shelf in a glass display cabinet? I don't get it personally
"I am indelibly stained by hope and longing" - Nuts in May0 -
I never use paperweights either Milann.
Well today had some more good news. We were a bit worried that OH was being regularly late for work - and I advised him to speak to his manager proactively. Instead his manager came to see HIM!
But instead of a telling off they suggested a solution - that he works from home for an hour in the morning online and is contactable by phone - then takes DD to school - and then gets in work for 10am! Amazing and a perfect solution! Takes a lot of pressure off and should mean that we don't ever need the breakfast club (saving £4.50 a day on days he would have otherwise used it!)
It feels like after a really hard six months or so that things are really starting to change for the better!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 I won £5 today ! Better than nothing! My photos arrived today from the official photographer - which is great - they are lovely. I have some more on the way too
OH has even cooked tea for me!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 -
savingholmes wrote: »I never use paperweights either Milann.
Well today had some more good news. We were a bit worried that OH was being regularly late for work - and I advised him to speak to his manager proactively. Instead his manager came to see HIM!
But instead of a telling off they suggested a solution - that he works from home for an hour in the morning online and is contactable by phone - then takes DD to school - and then gets in work for 10am! Amazing and a perfect solution! Takes a lot of pressure off and should mean that we don't ever need the breakfast club (saving £4.50 a day on days he would have otherwise used it!)
It feels like after a really hard six months or so that things are really starting to change for the better!
excellent news!! you deserve a change in fortunes that much is certainI do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
Thanks Lurker!
DS has decided now he would be happy with a new computer tower rather than a laptop and OH reckons he can get him one and recycle bits off his other one for around £300 which is what we hope people will give him for his combined birthday and xmas present... So hopefully we would have to put very little to it - which again takes some pressure off...
I've also just been accept for my first Tesco Home Panels trial - free bin bags coming my way!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 -
:T Brill news on dh being able to work from home for an hour each morning and saving on breakfast club - the cost of these clubs really mount up. I'm all for taking the pressure off :TJanuary spends - £587.580
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That sounds interesting !! we like freebies!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0
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I'm sitting here watching tele eating lemon sorbet - yum and double yum! I really ought to be doing a million and one jobs but have no energy so I'm not! Had quite an intense work day today but got away at a decent time so that balanced it a little. Struggling not to fall asleep while driving still at the mo!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 -
savingholmes wrote: »I never use paperweights either Milann.
Well today had some more good news. We were a bit worried that OH was being regularly late for work - and I advised him to speak to his manager proactively. Instead his manager came to see HIM!
But instead of a telling off they suggested a solution - that he works from home for an hour in the morning online and is contactable by phone - then takes DD to school - and then gets in work for 10am! Amazing and a perfect solution! Takes a lot of pressure off and should mean that we don't ever need the breakfast club (saving £4.50 a day on days he would have otherwise used it!)
It feels like after a really hard six months or so that things are really starting to change for the better!
that is fantastic saving really good ...and well done on the saving too0
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