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Trials and tribulations of a Debt Free Wannabee!
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After christmas I think I could open a franchise of the early learning centre in our lounge! I have a bad habit of shifting clutter from one room to another, never really getting rid of much. I did get all my paperwork filed and up to date though.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
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Hi lunar - celebrate what you have got done -that is the real secret I think!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 use vanish more for saucepans and cleaning sinks than I do for washing clothes!2019 fashion on a ration 0/66 coupons0
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Well it is helping declutter my cupboards anyway!
I have overdone it today... Not had my leg elevated enough. School have locked the school car park in theory to prevent accidents - but it is causing More on road congestion - and means I have to walk further to pick DD up. I could request access to the car park on the grounds of my knee but don't want to embarass myself if I can help it! Just made the mistake of nipping to Asda - and my leg is really protesting! I felt like hop along cassidy dragging a dead weight around!
At least it lets me know that it still isn't healed up enough to go back to work
(shame 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 -
SH - listen to that leg - it is protesting that it NEEDS to rest. Be good to yourself!!
I am watching location location at the mo and feeling really jealous - it's about Cornwall - Oh how I'd love to move there. In my dreams only I'm afraid. The nearest I'd ever be able to afford living there is in my little caravan that we keep outside Truro and visit every year in May/June for our yearly holiday.
Lunar - I tidy like that - move clutter from one room to another.
My ds bought us an all singing and dancing steamer for Christmas and I am currently trying to find a home for it and trying to figure out the instruction booklet LOL - kitchen is looking VERY cluttered - but maybe it might have something to do with all the ironing in there too. I need to do some serious tidying soon LOLJanuary spends - £587.580 -
I wanted to watch Relocation and forgot - will have to watch it at work now :rolleyes:
Please be careful with your leg SH, you are obviously doing too much, rest up. Is it Friday you are back at the Drs?
I agree re the bins, it happened to us ages ago and they were really p***ed off with us as they have theirs cleaned every week and we don't - oh the shame:rotfl: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 and Milann - I wouldn't have thought what I had done today was that much - it is one of those things - you only realise you've done too much afterwards! I now have my knee resting on cushions with my laptop on my lap so hopefully can now rest a bit and help it feel better!
Cleaner is coming tomorrow - really need to get some of the junk out of the way for her.... - need to rope in OH to help I think. The kids and OH started helping themselves to the stuff I got from the shops - but they didn't put the meat away or the milk - so annoyed! OH was as bad as them!
Tonight just trying to win some more points on bingoport - hopefully redeem again next week!
bye for nowAchieve 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 enjoyed Location Location last night too!
SH I know you feel that as you're off work you need to make up for it by getting stuff done at home but sometimes you just have to take some time to be rather than do!2019 fashion on a ration 0/66 coupons0 -
SH I know you feel that as you're off work you need to make up for it by getting stuff done at home but sometimes you just have to take some time to be rather than do!
well put Jellie - I know you are right - but doing very little is still causing disproportionate pain and stiffness! Met OH for a lunch date today which was nice - mse in that a babysitter wasn't required - but otherwise £13 spent we could have done with! Driving was painful tho. I am due at the docs tomorrow - I wanted to check for myself that I wasn't fit to drive to work before I went for my appointment - I think I succeeded Ouch!:eek:
Wrong time of the month now too with lovely cramps, cold feet and heightened pain sensitivity - isn't it great being a woman - NOT!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 -
The DFW board must be like living with other women when you sync up lol - I feel your pain
I turn into a super cleaning machine for the first day though and the rest can barely get the energy to stand up to get to my chocolate... 0
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