We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Trials and tribulations of a Debt Free Wannabee!

1216217219221222270

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well if DS had fixed it straightaway - could have done it for £55 - leaving it a bit longer - he caused another £15 worth of damage!
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OH - has DS's ipod in bits at work now - but has had to ordered a specialist tooklit to undo 1 screw! He's fairly hopeful he can fix it! He also has an old phone and charger DS can have saving him buying a new one - Now I just need to find the £5 free orange sim card I got before xmas!

    My umbrella company have replied with loads of questions - which are going to take me a while to answer and seem really complicated. I still need to submit my expenses and my sick note. May need to log onto my work email address to find some info.... Potentially quite stressful!!

    My leg is a lot better today - but still not convinced that I am up to my long commute - want to test the journey out first before I go back. Need to ring GP tomorrow and try and get a renewed sicknote - and let work know!

    I have paid the very painful £90 to the afterschool club - plus the £20 DD owed on dinners - ouch, ouch. She wants to go back to packed lunches but I would prefer her to wait until it is a bit warmer.

    On the organising / decluttering front. I have re-hung a picture in our bedroom that goes beautifully with our decor - which came off the wall at least 6 months ago! It is of a knight slaying a dragon and rescuing a damsel in distress LOL! I have also completely emptied a chest of drawers in our bedroom - and binned some of the contents. The rest is still strewn all over the bed - I now need to resolve this before OH gets annoyed!

    Hope everyone else is okay.

    By the way - I need you to keep nagging me re expenses, accident claim form and tax credits!! Please don't be surprised if I run away and hide.....
    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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    one bright spot in my week - my brand new cardigan that I thought I had wrecked with wax at the start of the year - is now fully recovered. I used the iron and kitchen paper suggestion made by one of you - poss lucielle? So thanks again!
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Dropping by for gentle nagging duty!
    I know how rubbish it is having to sort out this kind of stuff.
    Finished work about 9pm last night and then had to force myself to spend another hour sorting out replies to questions raised by my buyer/solicitor. 10 questions ranging from those requiring me to rummage through paperwork to sort out my replies to the seemingly absurd.....have I ever paid money toward the maintenance of the chancel of the parish church???
    2019 fashion on a ration 0/66 coupons
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    Consider this your gentle nag ;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi jellie - agree those questions are random

    hi bz

    I still haven't done it! Major procrastination alert!
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    So is today the day you're going to make major inroads into that to do list??
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    still procrastinating!!!

    Met OH for lunch and nipped into Matalan.... spent £33 and got about 5 things. I have organised another sick note.

    My knee is finally on the mend - have managed to majorly scale back the painkillers despite driving today. Plan to test driving the distance to work at the weekend with OH in the car - so he can take over if required! Also trying to fix up for kids to stay away at the weekend - DD to MIL's saturday-sunday and DS to sis and bil's! That will give me and OH some much needed time to ourselves as a couple which would be good. Unless my knee has another flare up - think will be back at work next week.

    Sis also has a vgc bed we can pick up while we are there - saving the £100+ I would otherwise have spent on one... or at least post-poning 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
  • lucielle
    lucielle Posts: 11,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Rather spend money in Matalan, than on new tyres. Your day sounds so much better than mine.
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 January 2010 at 7:07PM
    lucielle wrote: »
    Rather spend money in Matalan, than on new tyres. Your day sounds so much better than mine.
    L
    From your diary your day sounded really hard work - made me almost ashamed of the laziness of mine!:o

    Well it took me over an hour of searching but finally found the info I needed for tax credits and rang them! Woohoo. They will start to pay me £10.50 a week asap and then when the renewal pack comes through in April they will pay a me a few hundred pounds in backdated money. I was really worried that they might not backdate it the whole year as I hadn't told them of a change quickly enough - but since I was already on their system - they said it wasn't a problem. Which was a great relief :cool:

    :o I think the reason I was struggling with doing it so much is that last year my total income was around 4 times as much as I have earned so far this year! :eek: Really depressing!

    I still need to work out which days to claim mileage for, claim them, send off fuel receipts and send off my sicknotes to the umbrella company. I then also need to try and pull together some info re my accident for said company too! I am really struggling mentally with doing such basic things at the moment - which I think is another symptom of hating my current job!

    Hope everyone else is 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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.