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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
    hi imd, milann and jellie

    I am dreading going back tomorrow. Every weekend it is extremely hard to make myself go back in again on the Monday. With having the xmas break and the snowy weirdness last week it is even harder than usual - as I am kind of hoping we get a major snowfall overnight which means I don't have to go! Not the right attitude I know.

    I have submitted my timesheets so here's hoping I get paid okay! Still need to do my expenses but chances are they wouldn't have had time to deal with them anyway as my umbrella company is working with reduced staff due to snow.

    I have tried to do too much today in terms of dealing with household stuff - which means at the moment it looks worse than when I started - Hopefully this is just temporary lol!

    I like the colour of my new curtains but have gone from 90 inch drop to 54 inch so at the moment it doesn't look right... Hope I get used to it soon.

    Hope we all have a good day tomorrow. (Just signed off with my name then - had to go back and delete it LOL).... You never know my boss or team mates could read this!
    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
  • Hi SavingH,

    Hope you get the snowfall you want. Think OH is hoping for one so he can work from home too.

    I also was clearing out stuff today and the place looks worse than when we started. I have 1/2 cleared out the room that will be the babies nursery though and have my hospital bag and the babies hospital bag 1/2 packed so I am making some sort of progress.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done cmd. We had snowfall but don't think it is enough. Off to check the travel reports
    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
    One of the motorways I need has 2 lanes shut so don't know what to to
    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
  • One of the motorways I need has 2 lanes shut so don't know what to to

    What did you do SavingH? It would seem to make more sense to work from home if it is going to take you ages to get in.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • How did you get on? I was half hoping for snow this morning as an excuse not to go to work as I am getting far too used to being at home but alas only a dusting of snow. Not worth going in though if it's going to take you ages,

    Have a good day wherever you end up.
    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 cmd and imd

    Went in - was only 1 lane shut by the time I got there - took nearly 2 hours to get in tho! Completely fed up and struggling to motivate myself but there we go!

    Hope you are both 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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    hi cmd and imd

    Went in - was only 1 lane shut by the time I got there - took nearly 2 hours to get in tho! Completely fed up and struggling to motivate myself but there we go!

    Hope you are both okay.

    Not surprised you are struggling with motivation if it took you 2 hours to get there. Still, it looks impressive on your part that you made the journey.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    OH threw the paint out without permission!
    That's expensive stuff! And I would've used it if I knew it was going beggin!!
    BZ a) yup! b) if the snow permits you could collect from my work! and c) could probably lend you 90by90 light blue curtains from my bedroom - they have a thermal and black out lining - it is just they never matched the carpet, quilt etc so decided to get rid for now... But they cost over £100 so not able to part with completely yet!

    I have other curtains in my loft - but again I might want them back at some point as I do like them they just don't look right in this house with the carpets as they are etc... Let me know.
    Light blue really wouldn't work in our room. It's got red and sort of burnt orange going on with the carpet & border. I don't think there's any point buying nice curtains that I like with matching bedding (which is what I'm really wanting) in a rented house. Or at least not one with this decor cos it's not what I'd choose. Thanks for the offer though. Plus 90x90 would, I fear, be huge in my windows lol. Maybe I'll just have to get a blackout blind and put it up after the new windows get put in...:confused:
    BZ can you record for me or do you not have that facility?
    I could, but only onto VHS and that means I'd have to be in/remember every week... Living's website is still not announcing when it's going to be airing, which is annoying. I could deffo get the dvd's off you from work if you were working late-ish but DH only gets back with the car (normally, non-snowily) about 6ish... Otherwise I could take him into work and steal the car one day next week?
    Hope you get the snowfall you want. Think OH is hoping for one so he can work from home too.
    My OH too :) Secretly (well maybe it's not such a secret;)) I want the same just to have him home more and get some more of the spare room's tidied...we've made a start and it's made a difference but it definitely requires more work....:rolleyes:
    "I am indelibly stained by hope and longing" - Nuts in May
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not surprised you are struggling with motivation if it took you 2 hours to get there. Still, it looks impressive on your part that you made the journey.
    They just take it for granted. I really hate it there but then it is always hard working awhen the weather is like this - triggers my hibernation instinct:rotfl:
    bigzippy wrote: »
    That's expensive stuff! And I would've used it if I knew it was going beggin!!

    Light blue really wouldn't work in our room. It's got red and sort of burnt orange going on with the carpet & border. I don't think there's any point buying nice curtains that I like with matching bedding (which is what I'm really wanting) in a rented house. Or at least not one with this decor cos it's not what I'd choose. Thanks for the offer though. Plus 90x90 would, I fear, be huge in my windows lol. Maybe I'll just have to get a blackout blind and put it up after the new windows get put in...:confused:

    Do you remember my curtains from my dining room in the last house They had blue, red and cream in - I would want them back if we move house but I loved those curtains. They don't really fit here. They were long but not floor length
    bigzippy wrote: »
    I could, but only onto VHS and that means I'd have to be in/remember every week... Living's website is still not announcing when it's going to be airing, which is annoying. I could deffo get the dvd's off you from work if you were working late-ish but DH only gets back with the car (normally, non-snowily) about 6ish... Otherwise I could take him into work and steal the car one day next week?

    My OH too :) Secretly (well maybe it's not such a secret;)) I want the same just to have him home more and get some more of the spare room's tidied...we've made a start and it's made a difference but it definitely requires more work....:rolleyes:
    Well done on decluttering

    VHS - we have a player so that would be okay but appreciate it is a lot of effort. I am not in work as late as that if I can help 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 10/10/25
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