We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
Thanks CMD and Lucielle
I have had to move £100 between accounts to prop up DDs and STOs. We have 2 main accts - 1 we try to keep overdraft free - and the second we occasionally allow to go slightly into overdraft... This is now £100 worse in overdraft than before.
I have had it agreed that I will get paid earlier than originally planned in Dec so hopefully later in the month I will feel more positive! Will make Jan longer thoAchieve 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 -
Indeed. It's essentially what I was thinking too. Although I have heard tell that the nieces' parentals may be planning to host a get-together.... :shocked: We'll sort something out one way or another.savingholmes wrote: »I wondered if you would be seeing them... I am working on the basis we will see you at some point separate from the rest? Perhaps email or pm me....
Nice to save on postage tho... don't want to do an M&D and hold them to ransom with come if you want a pressie thing....
Was she pleased with the photos then?savingholmes wrote: »Well MIL loved the dinner and her pressie - so much so she has only just left!
Feel like I've spent most of the weekend tidying or preparing for MIL's visit. House nice and tidy downstairs - but that kind of "false" tidy where you can't find anything afterwards!
I know exactly what you mean by "false" tidy. DH is the king of it!! Our spare rooms are a disgrace and I can never find anything when he tidies up cos everything thing that's not nailed down seems to just get chucked behind a closed door!:rolleyes:"I am indelibly stained by hope and longing" - Nuts in May0 -
MIL burst into tears when she saw my fav one of DD that I had put in a special butterfly frame and really liked the other one too :j- which had each of us on.... She had bought me 2 hamper baskets for £4 each to help me organise xmas pressies and told me all her friends were anxiously waiting to see what I'd put in her hamper - no pressure for xmas then!:eek:
Well today is another day and my parents will be at my house waiting for me when I get home :eek::eek: 'nough saidAchieve 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 -
Hi SH, sorry to see you had such a rubbish day yesterday, hope your feeling a bit better today and today goes better than yesterday xxx: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
-
Aww that's terrible. getting paid the first time in a new job so often goes wrong and it's always JUST when you most need money. And the paymasters always seem so casual about it all, as if it's insignificant rather than the reason you're there at all.
Hope you're feeling better and have a good day.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 -
Aww that's terrible. getting paid the first time in a new job so often goes wrong and it's always JUST when you most need money. And the paymasters always seem so casual about it all, as if it's insignificant rather than the reason you're there at all.
Hope you're feeling better and have a good day.
Totally agree with you Verbatim, about the casual approach of the paymasters. I was in the same situation 2 years ago and had been out of work for 2 months, OH was back in uni and we had moved from Scotland to south east England (with debts). Luckily I got the money in the end but it was nerve wracking and very stressful.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
SH - hope you had a better day today. Hormones are terrible things - evil evil things!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 -
Hi guys - Thanks again for the support
well I felt really stressed still today and very very tired - too busy a day - struggling to think straight!
Managed to get DS some trousers at lunchtime - value pair from mr Ts for £1.50!! They felt like it to tho!
My parents bought us a chinese and were actually really nice today. The kids really appreciated their visit. They gave the kids £5 each and me £30 towards getting my cleaner back lol - as a way of protecting my sanity! They know how hard I find it to be tidy so were very impressed with how tidy downstairs looked ROFL! [downstairs!!!!]
They have bought some pressies off me and said they will put the money in my bank tomorrow -so that is another £72 heading in my direction.... which will take a bit of pressure off!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 am beginning to think that untidyness is an illness 99% of the population suffer from.....
I think I am going to accept that I am permanently ill!!!!!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 -
with you there.... definitely not my fault then! Anyway I'd best go to bed!
See you tomorrow - not even had time to do my bp stuff today!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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards