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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi jellie, imd, cmd and verbatim

    Glad the list was of some help!

    Survived the day! received £10 in amazon vouchers today - which was nice from bp so snook in another xmas present...

    Tomorrow is just half day in work - will try really hard to leave on time as exhausted. OH has booked next Tues off - partly for a school event and partly cos he is shattered too

    Roll on xmas - I have 11 days off and OH 11.5 days including weekends
    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
    Came home to another freebie from rimmel - I am coming to the conclusion there is very little need to buy makeup - you can get loads thro the mse freebie board and so called competitions where you are almost guaranateed to win.

    had lipstick, lip gloss, mascara, foundation all sorts recently - full sizes too! Goes into hampers etc! for xmas
    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
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Glad you are hoping to get the cleaner back SH - you need some time with your littlies - they grow too fast. If it means your debtfree date is a little further back by paying for it - balance that with the thought - if you carry on as you are and end up ill - the 'sick' pay would be a lot less than your wage minus the cleaners bills IYKWIM.

    I'm sick of spending my weekends cleaning and doing just the basics during the week. I keep threatening to get organised and try doing a bit each day but it never seems to happen. I'd love to work part time and have time to do it myself - I'm not sure I want someone in my home!! I'm lucky to get school holidays off - but seem to spend most of them cleaning the debris of term-time LOL.

    Must have been a real downer not getting paid - think I'd have cried too - how long have you been there now with nothing to show for it.

    Take care and enjoy your half day tomorrow.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Milann - couldn't get to sleep so got back up!

    I think this is week 7 so yeah not getting paid was pretty upsetting.

    I'm not even sure I would get sick pay so cleaner definitely cheaper! I've had the same cleaner for about 5 years now off and on depending on my work situation. She even helps us out if she's here when the kids are ill - she's gone and picked up medicine before now etc
    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
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    savingholmes wrote: »
    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 said
    Awesome. I'm glad she liked them :) It was nice of her to bring the hamper baskets too :A
    I only had one of them, so got off lighter ;)
    savingholmes wrote: »
    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!!!!]
    I got the same kind of treatment from my Dad too, taken out to lunch (including dessert! ;)) and then taken to Asda for something for tea, then got slipped £50!:shocked: It was really nice actually. :)
    savingholmes wrote: »
    It was very thoughtful of them - and a quite rare event... they never normally give me anything other than xmas and birthday!
    :T

    We've had a lightbulb moment this week. I'm devastated. Much work needs to be done and I don't really know where to start tbh. Gutted. :(
    "I am indelibly stained by hope and longing" - Nuts in May
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    BZ more than happy to assist with the light bulb... You could always pm me an SOA or post it on my diary if you don't want to start your own...

    Well really pleased - visited my snowball calculator and I have a) put in £46 too much on a credit card balance transfer fee so we are that much better off - plus must not have reported a payment so just updated sig!
    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
  • coldstreamalways
    coldstreamalways Posts: 852 Forumite
    Updating sig is one of my favourite things now!!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    yeah I love updating my sig - need to work out what my paper hat sig should be too and update that again.

    Well short day at work today so hopefully will get thro that okay and get home quickly - as struggled to sleep until 2hours past my normal bedtime!
    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
  • coldstreamalways
    coldstreamalways Posts: 852 Forumite
    What time do you finish? It's a lovely day here now but a bit nipply!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi CSA - its cold here too! I am supposed to finish at 12.30 usually more like 1pm. Today I got away after only 20 minutes extra which is better than normal!

    Bingoport has changed its redeem rules which are going to make it harder to redeem which is a bit of a blow. It is now 10000 points to get an amazon voucher and you have to play 2000 points in bingo not just slots which will make it more difficult

    All set to be paid Monday so fingers crossed on that one....
    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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