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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »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!
Hope your day wasn't as bad as you feared.
I do worry once in a while that I've posted to much info on here and could be recognised!2019 fashion on a ration 0/66 coupons0 -
savingholmes wrote: »then it is always hard working awhen the weather is like this - triggers my hibernation instinct:rotfl:savingholmes wrote: »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
Besides, the ones we have up, from my old flat, actually go really well with the carpet and curtains. And I do have sheets to match in, just might not be what I'd chose now iyswim? I'll just have to wait for my idea of "perfect" I guess
Thanks thoOh, btw, do you want your rug back from way back when?:rolleyes:
savingholmes wrote: »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...
If I ever find out when it's on I should be able to set a reminder thingy and then I should be able to find a black video somewhere.... it should be doable but I don't want you to be upset if I forget one week lol;)I do worry once in a while that I've posted to much info on here and could be recognised!.... Or just spotted and ID'd by my sister. So long as it's the right one, I can cope
"I am indelibly stained by hope and longing" - Nuts in May0 -
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Hope your day wasn't as bad as you feared.
I do worry once in a while that I've posted to much info on here and could be recognised!Thanks thoOh, btw, do you want your rug back from way back when?:rolleyes:
Ta I was rather impressed too. We're getting there at last!
If I ever find out when it's on I should be able to set a reminder thingy and then I should be able to find a black video somewhere.... it should be doable but I don't want you to be upset if I forget one week lol;)
Ah me too...but, well, so far I've gotten prodded by someone.... Or just spotted and ID'd by my sister. So long as it's the right one, I can cope
Now I'm more worried!! Don't really want anyone I know realising it's me!!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 -
Another day another dollar.
Seriously don't want to go to work today. DD had us up in the night which didn't help and I feel under the weather (but not enough to be off). I am supposed to motivate a team which is hard when I feel so demotivated and unappreciated. They don't use the word thank you much where I work, I am also not as involved with the management team as I have been at other places.
Tonight I really must go through the job pages again and see if there is anything else out there....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 -
Keep plodding SH.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
savingholmes wrote: »Another day another dollar.
Seriously don't want to go to work today. DD had us up in the night which didn't help and I feel under the weather (but not enough to be off). I am supposed to motivate a team which is hard when I feel so demotivated and unappreciated. They don't use the word thank you much where I work, I am also not as involved with the management team as I have been at other places.
Tonight I really must go through the job pages again and see if there is anything else out there....
Keep going and think of your debt free date. When you reach that your job options will be much better
xxxTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Chin up SH - I know it's hard when you are tired and fed up but think of home time and getting home to your family. That's what I try to focus on when the chips are down. Big hugs x1st 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
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Hi Lucielle, Verbatim, IMD and CMD
Thanks for the encouragement and support. Made it in okay - late again - still problems on the motorway. Feeling really run down which isn't helping either. About to have my lunch which will hopefully cheer me up a bit - plus you lot of course....
Only 5 hours left at work - and one hour of that is lunch! Try and cheer myself up that way!
Tonight
1) Need to look at job pages
2) Do bp
3) Redo my budget - perhaps find out how much I owe on my cashback CC
4) Try and make some £ plans!
Have a good day all.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
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