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Trials and tribulations of a Debt Free Wannabee!
Comments
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I was really superstitious with my first and didn't even really have baby grows in hospital - luckily I got given a couple in time for the first photos!:rotfl:With DD I had been given a whole bag full of new or barely worn baby girl clothes before I had her even though I didn't know what I was having. :rotfl: They were fab!:jclearmydebts wrote: »How was your day off?
Yes, can't believe I am 30 weeks. It feels a bit scary - have so much to do before the baby arrives. Don't even have a baby grow!
The day off was nice - spent most of it relaxing - a couple of hours with DD finishing xmas shopping! Just had a sweet chilli chicken and rice for tea - I thought it was nice.
It is DD's school fair tonight so off out again in a mo! Never stops - strangely OH hasn't volunteered to come:rotfl: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: »I was really superstitious with my first and didn't even really have baby grows in hospital - luckily I got given a couple in time for the first photos!:rotfl:With DD I had been given a whole bag full of new or barely worn baby girl clothes before I had her even though I didn't know what I was having. :rotfl: They were fab!:j
The day off was nice - spent most of it relaxing - a couple of hours with DD finishing xmas shopping! Just had a sweet chilli chicken and rice for tea - I thought it was nice.
It is DD's school fair tonight so off out again in a mo! Never stops - strangely OH hasn't volunteered to come:rotfl:
I am quite superstitious as well. The buggy arrived yesterday but am not even looking at it. Will just put it in the store cupboard. Anything else that I have bought has been put away.
Enjoy the fair. Sounds like it will be a good laugh!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi SH
Glad to hear you've had a good day off.
I think I've got all my pressies too. Am hoping to go through to check, start wrapping and put up the Christmas tree this weekend2019 fashion on a ration 0/66 coupons0 -
christmas fair was good - mix of bargains and donating to a good cause! Good teacher turnout too which I always think is impressive! Got a few more bits to put in the hamper for MIL... she loves reading and I got a load of books for 10p each. I got some xmas decorations at similar prices too!
well done jellie on finishing the shopping!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 -
blimey SH, you're doing so well to have so much of your shopping done despite the gruelling work schedule & commute
enjoy the rest of your weekendI 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 -
Hi lurker and verbatim
xmas shopping for me is easy - not shopping is hard!
I bought a lot of the stuff before I started work anyway! What is good tho is I can use the cash I got back unexpectedly from the bed saga towards nephews xmas and birthday - as well as on other house hold stuff so that is good
DD and DS's pressies now mostly wrapped.... Other people are getting hamper style pressies so minimal wrapping required.... Need to try and wrap DS's cushions!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 -
Redeemed another £5 from bp - partly thanks to se!
Now have a lift organised for DD so next job clear some stuff out the lounge so we can decorate the tree! Wish me luck!
Hope you all have a good 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 10/10/250 -
I'm still doing cleaning- want the place looking a bit better before tree goes up and pressies get wrapped!2019 fashion on a ration 0/66 coupons0
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Tree is done - looks fab
Lounge a complete mess tho - strewn with left over decorations and the things I moved off the xmas tree table and the box from under neath it LOL. I suppose I should get off my backside and sort it out while DD is rehearsing play!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
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