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Trials and tribulations of a Debt Free Wannabee!
Comments
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Well done on the decluttering, I really need to get my spare room done as it currently looks like a junk shop. It still has all the christmas boxes in.
I hope the knee recovers soon.DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!0 -
hi cmd and lunar - we still have xmas boxes in our lounge - eek. Need OH to put up in the loft or the garage space (we have wooden struts in the garage). Need to put a few more things in another box and then insist he does it LOL!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 -
I am getting OH to get out my work storage boxes tonight as I need to go through them. Think of how happy we will be when we are totally de-cluttered!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Good luck to you and me in getting our OH's to deliver LOLAchieve 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 the phonecall goes ok, just remember that you are off sick genuinely and you have nothing to feel bad about. Glad you have found some medication that works as well, it must have been some well overdue relief for you.
Will have to leave your thread now as you are far too uncluttered
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
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hi imd - the house is still very cluttered - loads left to do.... I think I could declutter all year at least before strangers would notice LOL! I do need something positive to talk about with OH when he returns from a hard day at work LOL. He doesn't really like it when I do nowt all day!
In between posting, tidying, I play mahjong - just found it this week and am addicted already LOL. Watching mock the week and have I news for you to keep myself chirpy!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 - well rang work - got an answer phone yippee!
Went out with a friend for lunch - that was nice. Picked up DD from school.
Nearly filled another charity bag of stuff - being collected tomorrow. Another one has been put thro the door for pick up Thursday. May challenge myself to fill both within that time! I can't keep up with all the washing but think some of that is probably because we have too many clothes!!
Need to sort the clean washing I did yesterday and see if there is anything there I can give away too
Hope you are all having a good day!
OH worked 14 hours overtime at the weekend which at time and half should help compensate for my time off! It is the first time they will have ever paid him for 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 -
Good news on the overtime, my OH is on overtime this weekend too.
Do you want to come over and do some extra de-cluttering at mine when you are done?DFW NERD NO.656 DEBT FREE 24TH NOVEMBER 2010 TOTAL DEBT AUGUST 2007 £39000MFiT T2 NO.56 WE OWN [STRIKE]25%[/STRIKE] 31.5% OF OUR HOUSE SO FAR!0 -
is it me ?
my DS brought the wrong bin in yesterday - I apologised 
and said shall we just swap it in a fortnight as DS had already emptied a bin into it. They have just been round and are swapping the rubbish over :rotfl:I just don't get it It is the recycling bin but even so...... There are times when I really feel we don't fit in.... One of our other neighbours paints his tarmac black each year :rotfl:I don't think we are in any danger of keeping up with the Joneses!:eek:
Well after burning my favourite saucepan at the weekend I have been a bit upset. My friend today suggested that I use washing powder instead of buying washing soda crystals to clean it with. :money:So I have tired using vanish oxiaction which I had in but haven't used for a year as I am allergic to it - it has definitely improved it - here's hoping that another dose sorts it out altogether.....
We are going to have fish and chips and peas for tea from the freezer so that is 4 fed for about £1 each! Not bad... Make up for my expensive lunch £7!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 lunar - I'd consider it but I reckon I would have to empty 25-50% of the stuff out of my house before my house would actually look "de-cluttered"Good news on the overtime, my OH is on overtime this weekend too.
Do you want to come over and do some extra de-cluttering at mine when you are done?:rotfl::o
I don't think I have even touched 0.5% yet!:eek: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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