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Trials and tribulations of a Debt Free Wannabee!
Comments
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Morning savingholmes,
Not been able to catch up over the weekend, so just a quickie to say hi and sorry about the job, will keep fingers crossed for one soon. xx0 -
Hi SH,
Sounds like you have had a busy Easter break. Sorry to hear about your MIL and DS - some people are awful. I hope he is ok now?
Can't beleive it's back to normal already. I've been a bit shy of this board this past few weeks for one reason or another but need to get back to it and have started a new 'fresh start' diary as felt a bit down about my old one. I'm stupid I know but feel better doing it this way.
Looking forward to popping in regularly again, hope you are well.
K x0 -
Hi Swinstie and Karen and lurkers - thanks for popping along...
Yep we are all okay. Saw my MIL today, she is going to go away for a few days with my BIL and his family. Worked on my sister's garden today while the kids played with her on the wii. Busy, busy day again but at least it was doing things I chose.
I should have been seeing an agency tomorrow but have postponed the appointment as I have no childcare!
I won £5 today on a free daily scratchcard which took me above my min withdrawal limit of £10 so that was positive...
Got nothing planned now for tomorrow but in some ways that is a welcome relief and we can have some family and (kids playmates) time....
Hope you are all doing okay?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
I hope the weather holds out for you tomorrow on your chilled day
Sounds like you have been super busy. I've been busy but unfortunately only demolishing my easter eggs in true chocoholic style :rotfl:
I've started a fresh diary for me as felt my other one wasn't doing me much good, too much negativity on my part
So, today was my fresh start. Have lots to think about (possibly) coming up.
Hope you have a lovely day tomorrow,
K x0 -
Hello to you all,
Fingers crossed that something crops up PDQ.
Sorry to hear about MIL but pleased she is on the mend and pleased that you have had a nice weekend!!** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
hey SH
i found ur diary. can i follow u? i pop in to mrs GG's diary from time to time. hope you going well!
what are these daily scratch cards?
I went to an agency recently and was shocked how there was no work. how are you finding them?
catch up soon
mrscmrHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Hi all - thanks for popping in again.
Karen - I will look out for your new diary.
GG - have you signed on yet LOL?
Mrs - yes there isn't a lot of work around. Luckily (hopefully) as I have a professional skill I should find it a little easier to find work than some... The interviews so far seem to suggest that might be the case... You are more than welcome to join in on here...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
SH .. .i used to have a professional skill i think it was called shopping like a bunny on duracell batteries... ha ha...
mrs cmrHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
shopping like a bunny on duracell batteries...
LOL - yep we have all been good at that in our time...
Hope you get on well with the scratchcard link I sent you...
Hope everyone has a good day!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Ey up ( thats yorkshire for hello :rotfl:)
Hope everyone is ok
SH its nice to have a day where you dont have to be somewhere at a certain time isnt it?, enjoy your 'rest' day
I have been to asda and picked up some tops and bras for DD2 for her school trip to Paris and a pair of jeans for me
making a banana cake with left over bananas - I dont waste anything anymore its still in the oven and smells delish.
think I will pop on to karens new diary.......0
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