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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Well done on the value trousers and the chinese and way hay the parents for buying the pressies.

    Hope the rest of the week is way less stressful.
    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 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks verbatim - 2.5 days to go for me until the weekend!

    I think I really need to either find my cleaners number or pop a note thro the door as this week I've been a bit of a gibbering wreck as I had no free time at the weekend!
    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 10/10/25
  • I would love my cleaner back :( I am currently trying to invoke a rota but only me takes any notice of it and so all saturday is spent cleaning. Bet you are well chuffed you can reinstate :)

    Hope you have a lovely day and not quite as stressful - my hormones are settling down a little now much to the relief of EVERYONE around me :o
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD

    I am working and travelling pretty much the longest hours I've ever done and am only just coping. I think that I need to bite the bullet and invite my cleaner back in order to a) stay healthy (I have had previous problems with depression and anxiety) and b) to spend more time with kids as now have very little time to spend with them....

    I will therefore try really hard to find her number or drop a note round I think.... I was slurring my words with exhaustion last night. Tonight I had a raging headache and am struggling to think... I think I need to pay attention to my body/mind and respond accordingly
    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 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    hi IMD

    I am working and travelling pretty much the longest hours I've ever done and am only just coping. I think that I need to bite the bullet and invite my cleaner back in order to a) stay healthy (I have had previous problems with depression and anxiety) and b) to spend more time with kids as now have very little time to spend with them....

    I will therefore try really hard to find her number or drop a note round I think.... I was slurring my words with exhaustion last night. Tonight I had a raging headache and am struggling to think... I think I need to pay attention to my body/mind and respond accordingly

    I think you are dead right SavingH. You need to keep healthy and well for your kiddies and your OH.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Stay healthy please! Your health is one thing you should never MS on sweetie.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks CMD - my decision was helped by my parents giving me £30 last night towards the cost... They know me well enough to know what I need.... and I think it was them saying look after yourself! It was very thoughtful of them - and a quite rare event... they never normally give me anything other than xmas and birthday!
    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 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Thanks CMD - my decision was helped by my parents giving me £30 last night towards the cost... They know me well enough to know what I need.... and I think it was them saying look after yourself! It was very thoughtful of them - and a quite rare event... they never normally give me anything other than xmas and birthday!

    Well the good thing about parents is that often step in at the time we need them the most. They obviously know you very well.

    Coldstream is right - you can't MS on your well-being.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks CMD and CSA - I will drop a note round I think - and hope I have the right house....
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well it took me 20 minutes to find the right house but my cleaner has agreed to come back from next week. She has said she will ring me one night to agree the day - result!
    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 10/10/25
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