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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hope your week is improving SH.
Although I posted on your thread it hasn't appeared in my User CP list. I''m a bit of an old hand to be asking such questions but do I have to "subscribe", whatever that is, as well?CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Hi verbatim - you need to go to thread tools near the top of the page - and select subscribe with no email notification..... if you want to that is!
Feel better today - so hoping yesterday was just blue Monday... should get paid at the start of next week and I am sure I will feel happier after that!
Did a bit more induction type stuff today which has helped....
Can't wait now until I get paid.... can finally start chipping away at the debt properly then!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 -
How's DS? What was up with him?savingholmes wrote: »Feeling really tired and a bit down today! DS has called OH out of work! Can't seem to win at the mo for kids illness!
You feeling better today?
*nods*savingholmes wrote: »I also need to contact my family and agree when we are seeing who at christmas - that is always fairly fraught!
"I am indelibly stained by hope and longing" - Nuts in May0 -
Hope ds is feeling better and you are feeling brighter - must be something in the air about feeling a bit down. I've just given myself a good talking to LOL think my get up and go has got up and gone!!January spends - £587.580
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hi BZ and Milann
DS will be back at school tomorrow - another example of the school being over zealous in calling us out - but we didn't dare risk sending him back today and them sending him home. Schools seem to be sending kids home at the slightest sign of illness - can't work out if it is due to fear of swine flu or what but it makes being a parent and working jolly hard!
My journeys home have been better this week closer to 6.30 than 7 which is a big improvement... so that is making me feel a little better. things have also been a bit calmer at work so feel better about that too!
I can't wait to put the xmas decs up! Hoping to get paid Monday so can buy final pressies and pay off some debt! I want it now LOL
I am hoping that I am now in the home straight to xmas (and my time off). Still at the point where I am counting out how much I earned that day as a way of motivating myself to get up and out!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 -
Glad your week is a bit calmer, poor DS, it is so hard when the kids are ill and you have to try and juggle work - every parent's nightmare!
I got a little bit excited about xmas last night and nearly bought loads of unnecessary baubles and stuff but I stepped away from the shelves....
OH has banned me from putting tree up too early as I then get bored of them, and have been known to take it down on Boxing Day
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
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hi IMD Well done on having some restraint. I spent quite a bit on xmas decs this year - but feel it was money well spent... We are having the same tree tho - just bought some new lights and bits to go on it from home and bargain. With the £10 a day challenge I don't feel too guilty !
I bought a cheap photo frame from home and bargains - posted a piccie up a while ago. The mount was effective but in black and white which I felt was too dull for my pictures. So I painted the mount with a trial pot of paint I already had and it now looks much better and ties in better with the original colours from the wedding! The pictures are all related to my sis's wedding but are for my MIL and I'm hoping it will bring tears of joy to her eyes!! Ideally now need to do that with the other one I bought now 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 -
Hope you are feeling a bit better again now.2019 fashion on a ration 0/66 coupons0
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savingholmes wrote: »Hi verbatim - you need to go to thread tools near the top of the page - and select subscribe with no email notification..... if you want to that is!
Thanks SH have done this. Glad your commute home has been better.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Thanks Jellie and Verbatim
Well I set off late from work and still got home by 6.35 so pleased with that! Having a chippy tea today tho as not got much get up and go left!
I have made my MIL a little birthday hamper
Jar £1 decorated with stickers by DD
Filled with blackcurrant and liquorice sweets £1.20
Books £5
Frame £4 plus photo £0.71
Another Frame £3 plus 5 photos at £0.61 each
Mini massage wheel £0.49p
Free samples
Lamb cuddly toy hot water bottle £4
Approx £21 in a covered shoe box - I think it looks fab! I might post a piccie if I can cover the photos enough!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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