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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »I agree! That was my thinking too - no pressure then!:rotfl:
Lol! I work from home 99% of the time and still find it hard to motivate myself! Have a report that is due in before lunchtime and am struggling to focus on it. Need to get it done though!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Oh well DD is being sent home from school at 1.30pm - good job I was here then!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 -
Good luck with the report CMD - not much progress this end yet... I tend to get more motivated as the deadline approaches tho... so will probably have more luck late afternoon / tonight altho by then kids will be home again!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: »Good luck with the report CMD - not much progress this end yet... I tend to get more motivated as the deadline approaches tho... so will probably have more luck late afternoon / tonight altho by then kids will be home again!
Snap! I am exactly the same. Am making reasonable headway though so don't feel bad. Think it has just hit me the amount of work I have to do before I go on maternity leave. Aghhhhhhhh!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
when do you finish cmd - can't be that long now?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: »when do you finish cmd - can't be that long now?
I finish up on the 5th Feb. I am working until week 38. I kind of regret that now but don't think I will have everything if I left before then and would feel bad.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
hey saving sorry i havnt been around laptop issues which thankfully got resolved today yay....have you had a great xmas and new year ?0
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Hi el - yeah xmas and new year were fairly relaxing. Went back to work yesterday but snowed in today - not too bad a start!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 -
did you get the day off then? i would love some time off work ...although i cant complain really0
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Hurrah for SNOWDAYS!!!
:snow_grin:snow_laug:snow_grin
Some guy in our street made the biggest snowman I've ever seen with his two kids today. It must've been well over 7ft!"I am indelibly stained by hope and longing" - Nuts in May0
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