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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
    Lucielle - I will try your tip with brown paper tomorrow
    *Jellie* wrote: »
    Thanks for sharing these gems from the book.
    Hope work goes ok tomorrow and isn't too much of a shock to the system!
    My pleasure re the tips.

    I got the latest Grey's Anatomy for xmas and have deliberately saved it up for when I go back to work - watching 1 or 2 episodes per night for a few weeks should help make work more bearable. ;) (all my favourite tele is on too late at night or on satellite which we don't have:o). OH also ordered Private Practice Series 2 for me which didn't arrive in time for xmas - hopefully be able to watch that soon too! :D
    There is definitely a big decluttering theme going on at the moment. I have a huge bookcase in the living room and the problem with it is that the shelves are very deep and its right next to where I sit, so it tends to get full of 'stuff'......

    If I moved this case to another room, it would look so much better and wouldn't get cluttered as it wouldn't be so easy to just put stuff on. So I can appreciate what you say about clearing one shelf.
    Craft stuff has been cleared out of here, and is now cluttering the dining room table instead. Like you, if it was better organise, would do more with it.
    I would move the bookcase then. A few years ago we were given some money but on the condition we spent it on the house, furniture, electricals etc so we bought 2 huge ikea liatorp bookcases with cupboard doors at the bottom. That way we can hide away a lot of our clutter and just leave our favourtie things on view - like the big thin screen TV in one!!! and my tiffany lamp on the other.... plus a couple of shelves for dvds on one and books on the other.... That immediately lightened the room (when we keep them and it tidy!).

    We also don't have any coffee tables in here as they are clutter magnets - we still seem to build up clutter tho in here so I need to think about what else I want to keep in the lounge and what sort of storage would help with that..... Deep!

    The book kind of suggests that if you can create one oasis of calm, organised space it will be easier to then branch out to other rooms or areas or your house / workplace etc (life).

    Sadly - I really should go to bed now if I am going to remotely cope tomorrow!:eek:
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    I use blotting paper and an iron for candlewax or if no blotting paper kitchen roll folded over to absorb more.
    sweet dreams,
    V
    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
    Managed to get up on time today so so far so good. 75p in total on scratchcards this morning so not bad! I should hit payout on one by Thursday.

    I will try the brown paper method as don't have any blotting paper or kitchen towel (the latter is too expensive - the kids used to spill something and use a whole roll to mop it up!!).. Thanks for the tips tho - if the brown paper doesn't work - I'll buy some kitchen roll!

    I need to go and brush my teeth and do my make up now - too scary to go in without a mask on first day back LOL

    Hope you all have a good day! Looking forwards to watching Grey's tonight!
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    I got rid of my coffee table as I found it was a clutter magnet too! I also try my best to get units with doors so you can't see any mess. It definitely makes you feel better when the place is apparently tidy!!
    2019 fashion on a ration 0/66 coupons
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Have a good day, not good having to go back to work is it!!
    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
    Hope the roads aren't as icy there as they are here.
    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
    Our roads were reasonably clear - despite -7 temperatures until I got to the road work is on. That and the car park are appalling!
    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
  • lunar
    lunar Posts: 1,805 Forumite
    Part of the Furniture Combo Breaker
    I am trying to catch up with peoples diaries I have neglected recently and wanted to say thankyou for all your support recently, it has really helped.

    Im so glad i didnt have to venture out yet in the icy weather, I feel cold just thinking of you in minus 7!!
    DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000
    MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Hey you sound like you have been busyx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You're welcome Lunar - just wish there was more I could do.

    Well safely home. It was snowing as I left work having warmed up to -1! DS has been playing at a friends all day. We are eating left over party food - yum! Planning to relax tonight as much as poss LOL!

    BTD always busy busy!
    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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