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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi El - in theory I have worked from home today - in practice I really struggled to motivate myself. In the end I have after a sleep and watching some more Grey's managed to produce a presentation I am proud of. Hopefully that will then get me back in a productive mode for tomorrow.did you get the day off then? i would love some time off work ...although i cant complain really
I am assuming that I won't be able to get into work tomorrow - if I am wrong then I could be up a creek without a paddle as am not in bed yet!
In other news - it looks like I may be able to get a free, fairly new bed for my guest room which would be great! :money:Especially as my xmas money has been mentally spent and some physically spent - several times over :rotfl::eek::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 -
In picking up my DD from school today I ended up walking a mile - and my knee and leg are now very swollen - so currently taking lots of nurofen and hoping that I am not over doing it!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 -
Hi all
We've had more snow and DD's school is shut today so working from home. Need to try and get more done than yesterday.
Hope you are all safe and well whatever you are doingAchieve 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 -
Managed to get brain in gear easier today so going well so far!
Withdrew £10 from a free daily scratchcard todayAchieve 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 won £5 on a free scratchie last week, almost popped with the excitement!
OH was at home today as he works at a school and it was shut, I went in, saw the pain cases, none of the others made it so I got my nurse to dig me out of the drift I slid, sorry parked in, and came home.0 -
Sorry to hear knee is playing up- I'm sure the drive in the cold didn't help as it took you so long.
Hope you feel better soon2019 fashion on a ration 0/66 coupons0 -
hi csa and jellie
Well I did a respectable amount of work today I think - hope the boss is pleased. Unless the snow is worse tomorrow I will try and go in and leave DD with OH if school is shut... don't want to get a bad reputation..... tempting as it is to stay at home!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 -
Hope you made it to work safely. OH braved walking 30 mins to catch the bus this morning. He hasn't been in the job long, and like you, he doesn't want to get a bad name!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
My car is stuck at the end of our lane, my nurse is stuck and can't get off her drive. I desperately need to get in tomorrow though so may begin the big dig soon!0
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If you've tried to get in I hope your journey isn't too bad.
Stay safe x2019 fashion on a ration 0/66 coupons0
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