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Trials and tribulations of a Debt Free Wannabee!
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Those flannels cakes looks great SH! I'm making flannel reindeer for everyone this year, with hand-made (not by myself cos I don't know how) soap! Made 2 already, only 7 to go! Well done on the win x0
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thanks swinstie - and good luck with the craft stuffAchieve 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 -
Soo envious of people who are arty clarty. Makes me come out in hives!!!
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 -
bless!Soo envious of people who are arty clarty. Makes me come out in hives!!!
L
There is a reason mse craftaholic is in my sig lol!:DAchieve 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 -
Oh well I've let DS have his new shirt - but as a xmas special ie he can wear it to xmas parties but nothing else..... I got him a man size medium no fear shirt!!! He is only 11 altho nearly 12!. He has slimmed down tho as I bought him some ysl trousers at the start of the summer for £12 in size 30ish waist! and they were too tight on him. Now they fit round the waist but length wise they won't fit for long. I waited too long to take them back so I was stuck with them! If they hadn't fitted him today I was going to give them to a friend's son but luckily they fit! He's chuffed as it basically means he has a whole new outfit for xmas and I am pleased as it spread the cost LOL!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: »Oh well I've let DS have his new shirt - but as a xmas special ie he can wear it to xmas parties but nothing else..... I got him a man size medium no fear shirt!!! He is only 11 altho nearly 12!. He has slimmed down tho as I bought him some ysl trousers at the start of the summer for £12 in size 30ish waist! and they were too tight on him. Now they fit round the waist but length wise they won't fit for long. I waited too long to take them back so I was stuck with them! If they hadn't fitted him today I was going to give them to a friend's son but luckily they fit! He's chuffed as it basically means he has a whole new outfit for xmas and I am pleased as it spread the cost LOL!
Very MSE :money: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 et al
Well today I got my hair done. Had to take DD as OH was out. She was so well behaved - the hairdresser gave her £1 to buy sweets with! Wow!
Just redeemed another fiver from bp
OH did another little job for a friend and got given £50 - counting that towards Dec make £10 a day target! My OH's BB is playing shortly - so will have to check to see if won anything soon!
MIL is coming tomorrow so need to do a mad tidy up, all the washing and make sure we have nice food for tomorrow - all asap! I am doing sunday school tomorrow too - but hopefully just supervising a drama no prep!
Hope everyone else is okay. Talked to my M&D re xmas presents - they are going to buy about £72 of stuff off me - so will add that to Dec's challenge figure when I got it... I would have given it to the kids and OH regardless so it really is extra money but helps compensate for my shopping addiction LOL
Just my dad's present and the day bed to get now... Other than that a little bit of cash for nephews to go with the choccies I bought them. May need to post my nieces presents as not sure when I will see themAchieve 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: »Hi Verbatim et al
Well today I got my hair done. Had to take DD as OH was out. She was so well behaved - the hairdresser gave her £1 to buy sweets with! Wow!
Just redeemed another fiver from bp
OH did another little job for a friend and got given £50 - counting that towards Dec make £10 a day target! My OH's BB is playing shortly - so will have to check to see if won anything soon!
MIL is coming tomorrow so need to do a mad tidy up, all the washing and make sure we have nice food for tomorrow - all asap! I am doing sunday school tomorrow too - but hopefully just supervising a drama no prep!
Hope everyone else is okay. Talked to my M&D re xmas presents - they are going to buy about £72 of stuff off me - so will add that to Dec's challenge figure when I got it... I would have given it to the kids and OH regardless so it really is extra money but helps compensate for my shopping addiction LOL
Just my dad's present and the day bed to get now... Other than that a little bit of cash for nephews to go with the choccies I bought them. May need to post my nieces presents as not sure when I will see them
Yay to all the extra money! I'd say you can't wait to get your pay cheque on Monday as well
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks it all helps doesn't it.clearmydebts wrote: »Yay to all the extra money! I'd say you can't wait to get your pay cheque on Monday as well
I can't wait until monday's money is in the bank - I think I will just cry my eyes out if anything goes wrong or its less than I expect!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: »Thanks it all helps doesn't it.
I can't wait until monday's money is in the bank - I think I will just cry my eyes out if anything goes wrong or its less than I expect!
Yeah, it defo all counts! I have £52 coming to me from Quidco in a couple of days and it's great to get that money as I wouldn't have gotten anything this time 2 years ago!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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