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Trials and tribulations of a Debt Free Wannabee!

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  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    resting????

    Well 2.5 hours driving today - shorter day due to xray but still worked over 6 hours full on - am absolutely swamped with work and not really keeping up. Really should do some tonight to make up for leaving early - but strangely that is hard to motivate myself to do.

    My cleaner came today and did a great job tho! Which does really help - just wish the kids weren't such specialists in wrecking it again.

    Tomorrow have to take DD to MIL's on way to work - she is staying there overnight as it is OH's works do tomorrow. DS is staying over at a friends...

    OH also let slip that most of the girls would be wearing long dresses!!! I don't have any to fit me - also doesn't feel very mse to get one just for tomorrow! I did sneak a £14 red frilled cardigan home - that I thought I could wear with a black sparkly top or something... The way I have felt this week - the last think I want is to be shivering! Unfortunately any long dress would need to be a maxi dress anyway to have any chance of being at all flattering so might be just as well I don't have time to get one! Typical too that my one chance of the year to have a dance with OH I'm not in any fit condition to with my knee!!!!

    OH has broken one of DD's DVDs - he is trying to copy it on his computer to see if that will work but if not will have to get a new one from amazon. He also announced today he wanted a game called avatar - I've said he has to wait until I have enough bp amazon vouchers!
    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
    X-ray was clear - yippee. Swelling was much reduced today - but still visible enough to have the xray nurse tutting on my behalf.
    :T Good news :D

    We've had some snow here too...only stuck to roads and wall tops...I reckon there's a chance there may be some black ice tomorrow :cool:
    "I am indelibly stained by hope and longing" - Nuts in May
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    SO glad you haven't ended up in plaster with that knee - I had my fingers and toes crossed for you.

    Enjoy the do - even if you don't get much of a boogie

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi BZ and Milann

    Do was okay when I finally got there.

    Worked 2 hours extra today. Drove to a garage - went to pay only to find had left bag at work - had to phone OH to pay. Got in car cried. 70 minutes wasted. Went and got bag - went to nearby town and found a little black top about hour later.... Got home about 6.30 instead of the 1.30/2pm ish that I should have done!

    Do was good OH and his work mates did an abba tribute song and he even took part in a salsa performance! One of his work colleagues has given him £30 in asda vouchers as a thank you for a favour he did them - plus choccies and whiskey! Feel blessed by that!

    Took some more photos - ankle swollen, not just knee, leg in general swollen - significant bruising on elbows and shoulder as well as knee....
    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
  • At least the do was worth it when you got there, I find things are always better when you don't think they're going to be.

    How's the knee today? Was it an accident or preventable?
    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 leg, ankle, knee still swollen

    it was an accident but poss preventable if their mats actually absorbed water properly

    we saw friends for the start of xmas today - we see them once a year for a catch up - went very well. DD has been given some silver sparkly shoes by her nan! and was wearing them today!

    going to see my brother tomorrow and most of the rest of my side of the family which hopefully will be good - but could be quite stressful... Just hope everyone behaves and that the kids soften it enough!

    Then back to work for Monday for 3 days then off - can't wait to finish- so grateful that I had already got all the xmas presents

    hope everyone else 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 10/10/25
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A little financial update

    Work are paying me later than promised again - by a week. May use this as an opportunity to get weekly pay going forward even if it still takes them say 3 weeks to pay the invoice at least I won't be waiting as long for my money!

    OH did a favour for a friend -who gave him some alcohol, choccies and an Asda gift card as a thank you. We were really touched!

    I have just withdrawn £15 from daily scratchcards so that is positive!

    I think I should probably go to bed now... hope you are all okay. Will try to catch up on diaries soon but it has been manic here
    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 had a perfect Karma incident this week SH. One of the MSE'ers sent me some curtain insulating material and told me to not even pay the postage. I then had a parcel delivered for someone who lives about 3 miles away, blimmin delivery man got the right house number but the wrong road and town! I couldn't get my car out so had a wintry walk to the other side of town to drop it off for him.

    So, what goes around comes around, your choccies etc are proof!

    Hope you're ok this morn.
  • Hope you have a lovely day today with family, always does get a bit stressful when there's a few of you in the house!

    Always nice for people to appreciate favours that you do for them.
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    I had a perfect Karma incident this week SH. One of the MSE'ers sent me some curtain insulating material and told me to not even pay the postage. I then had a parcel delivered for someone who lives about 3 miles away, blimmin delivery man got the right house number but the wrong road and town! I couldn't get my car out so had a wintry walk to the other side of town to drop it off for him.

    So, what goes around comes around, your choccies etc are proof!

    Hope you're ok this morn.

    That was really kind. I'msure the deliveree appreciated your good turn.
    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
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