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Trials and tribulations of a Debt Free Wannabee!
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Got home at an okay time today. Still not eaten any tea tho - really should at least have soup or something.... Had chocolate does that count?
I picked up a TV for my sis today from freecycle....
Nearly the weekend, nearly pay day! Getting my hair done Saturday which I am really pleased about!
How is everyone 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 -
yup, chocolate counts......:DSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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found a few more ideas for xmas http://forums.moneysavingexpert.com/showthread.html?t=622943
how to make flannel yule logs, cupcakes etc
http://forums.moneysavingexpert.com/showthread.html?t=1283835
pots of gold
http://forums.moneysavingexpert.com/showthread.html?t=2079905
santas kisses etc
so going to give them a go plus
I found a suggestion for little bah humbug jars - tin jars, labelled "bah humbug" with humbugs inside... think I will give that a go too. I need to get some little jars tho... Will check out some of the pound shops - perhaps tomorrow afternoon....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 -
I started doing a hamper for my mil several years ago - now tells her friends how she looks forward to it - I daren't tot up how much it costs as I tend to buy and save tins and a few novelty bits throughout the year - so I'm tied to doing it for her now. But I suppose I wouldn't know what else to get her now lol.
Those flannel cakes look amazing!!
MilannJanuary spends - £587.580 -
Those flannel cakes are amazing! But most are easy. I can do cup cakes, yule logs and reindeer - not tried the others...
Well withdrew £5 from bp today woohoo!
Off to work in a mo - short day so hopefully finish on time and get 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 -
lol I was daft enough to think a flannel cake was a cake!!!! :rotfl: till I looked at the thread!! wicked idea, no idea who I'd make them for though but will definitely look into it
: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 bevan - give it a go - poundstretcher sells 6 brown and cream flannels for 99p. That would make you 3 yule logs. Just then need a bit of ribbon to finish it off! I put mine on a bit of foil card after!
Won £20 on BB today - really chuffed!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 -
I have some silicone cases at home that I've never used and have to go shopping tonight so going to see if I can find a flannel or 2, said that I'd try and make one for a severely affected ME sufferer but said I wanted to try it first, if it works I'll post it to their friend so they can send it on
Hopefully bring a smile to someone who is a lot worse off then me :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 -
Go for it - I made them last year with my DD and DS. My DD was 5 at the time... They are that easy!
Bought my OH a t-shirt for xmas today which has a picture of someone from star trek and say "beam me up" :rotfl:It really tickled me. Got one for someone else - it says "Remember my name.... you'll be screaming it later!" :rotfl:£6.99 each in Sports Direct - was chuffed with that! Also got a No Fear shirt for £10.99 - original price £29.99 so really pleased - to get home and find the BB win meant it was also guilt-free shopping! even if it was only guilt free after the fact:oAchieve 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 win.
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
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