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
-
coldstreamalways wrote: »Updating sig is one of my favourite things now!!
Me too. I love it!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Sounds like I need to get into the habit of checking that freebies board!2019 fashion on a ration 0/66 coupons0
-
I love freebies
Well tonight - we went to a friend from OH's work - they had a bonfire, fireworks and barbecue. It was fab. The fireworks were display quality and it was DD's first ever real bonfire! Unfortunately tho I fell over in the dark - and wrenched my arm - so am hoping that this doesn't cause me any major issuesAchieve 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 know you are, and appreciate it. I think DH is thinking of doing his own, setting up with MSE under his own name etc...so we'll see about that first. Tbh, I don't think there's much more we can cut back on, I can only send him out to work more, take all his access to money away and hope chipping away at it works. REALLY hoping he gets a payrise in Jan and/or the promotion in March. I can't tell you how much we need it!:osavingholmes wrote: »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...
Nice one...up until the arm! Hope you're oksavingholmes wrote: »Well tonight - we went to a friend from OH's work - they had a bonfire, fireworks and barbecue. It was fab. The fireworks were display quality and it was DD's first ever real bonfire! Unfortunately tho I fell over in the dark - and wrenched my arm - so am hoping that this doesn't cause me any major issues
"I am indelibly stained by hope and longing" - Nuts in May0 -
savingholmes wrote: »I love freebies
Well tonight - we went to a friend from OH's work - they had a bonfire, fireworks and barbecue. It was fab. The fireworks were display quality and it was DD's first ever real bonfire! Unfortunately tho I fell over in the dark - and wrenched my arm - so am hoping that this doesn't cause me any major issues
How's your arm this morning? have a good rest over the weekend.
Bonfire and fireworks sounded like fun. How old is your dd?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 -
Hope the arm is ok and you are able to fully enjoy weekend. I haven't been out of the house today so a nsd which I am quite pleased about as they are few and far between lately.
I need to get my head around a serious list - just to see what I really have left to get and not what I think I have left in for Christmas presents LOL.
Really hoping the pay comes through for you this week - how can they expect you to work for NOTHING and all the travelling too - naughty naughty employers.
MilannJanuary spends - £587.580 -
hi bz, verbatim and milann
I've spent too much today and a lot of it was unnecessary! Vaguely xmassy
Arm is twinging slightly but nothing serious!
I've been sent a text to say I will be paid monday by my umbrella company. I am a little worried the rate is wrong as it didn't add up right the other day...
I only have my dad's pressie and DS's day bed to buy
Good luck BZ with OH's lightbulb. Good luck milann with the xmas shopping! Verbatim - don't know much about you - hope you are okay!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'm fine thanks. Have you got your lift to IKEA sorted? Glad your arm's not too bad.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 - I have someone who has agreed to take me to ikea we just need to work out a date. My arm twinges occasionally when I am driving but I don't think it will be a long term problem.
I didn't got to church today as I was too exhausted... I woke up from a lovely dream where we had bought a house right by the sea and it was fab - and a great quality of life... wonder why such escapism appeals LOL!
I still have so much to do this weekend - I've done most of the washing - but it still needs sorting and putting away. I have loads of xmas presents to wrap. DD want to put up the xmas tree but I would want to empty some stuff out of the lounge before we did that so not done it yet! etc
DS has gone to play somewhere he hasn't been before - I am not sure they will get on - so hope he is not hating it too much. He asked to go tho!
Bye for nowAchieve 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 was kind to myself this weekend so spent most of it resting - even having my groceries delivered! Not got much done... Did the washing but none of it has been put away!
Busy week ahead... OH is out all of next saturday gaming with his mates! More importantly taking my car! I need someone to give my DD a lift to a dress rehearsal in the next town for the church play - she is going to be Mary - bless! She was Mary in her first year at school but this year she is just a guest but that is fair enough....
So MIL is back over Wednesday to see school play - ouch does that mean I need to tidy up (the day before my cleaner starts back!!!)
I originally thought - not a problem taking my car as we could walk into town or get a bus - but didn't know about the dress rehearsal at that point! Still got DS and my Dad's pressies to buy too... time running out LOL
I've wrapped most of DS's pressies - everyone else's still to do!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