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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Glad you enjoyed the coffee - sounds like a good day has been had.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD and milann - doing much better this week rather than last week where I struggled to even look after myself!

    A friend has offered to take me to physio tomorrow so that will help too. I was worried about driving back after the appointment - as I imagine once my knee has been "manipulated" some more - will be exceedingly painful
    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
  • Plus after physio aren't you supposed to take it easy?

    But don't quote me, I aint a doctor!!
    ** 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)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi gg - yeah after physio you need to be careful

    Well have redeemed another £10 from bp this week :j- currently sitting here with frozen veg on my knee - trying to get it to go down a bit before physio appointment !!!

    Next I need to check I have enough money to pay for said physio - and poss nip to chemist for more tablets. Still need to have breakfast - I don't think cream eggs count!!!!:rotfl: I also need to get dressed in proper clothes for today rather than just wearing the nearest things to hand which I used to drop DD at school!:rotfl:

    DD has decided she wants a computer with desk for her birthday (May) . She has therefore set about tidying her room with a vengance in an effort to prove that there is room in there for a desk with computer - bless :rotfl:She has emptied what seems to be the entire contents of one toy box into a charity bag and told me what other items in the room she would be happy to get rid of (she is 6!!!!!):D

    She asked me whether even though it was expensive would it be possible to get her one - I've said we could probably buy extra bits to put in DS's old computer to make one for her - and she is thrilled to bits at the idea. She then wanted to know whether she could paint it pink! :rotfl:OH hit the ceiling :eek: saying it would give a problem with the air vents and flake off etc - but I reckon it probably is possible I use one of those plastikote spray things.... She said otherwise perhaps she could use stickers or get a pink mouse or something! :rotfl:

    I think she is going to be formidable as an adult. She is already a great strategist and has worked out how she can get what she wants - and ask for it in a really diplomatic way! (OH works in IT so we don't envisage a problem sorting her a second hand computer canabilised from DS's old one anyway). The most expensive thing will probably be to get her some sort of desk and any accessories - especially if we go down the pink route :rotfl::)
    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
    41SCUJcjjPL._SL500_AA280_.jpg
    I can get this for her from Amazon using my bp vouchers - at around £11 doesn't seem too bad!
    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
    Well been for physio - as painful as expected! Guy was nice tho - but says I need to go back Friday - so double cost this week!! Argh!!!

    Hopefully it will help me get back on track! He says without physio I would still be as bad in 12 months time! He thinks it will take 6-8 weeks to get better from today - but that I may be able to go to work again before that...
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Well been for physio - as painful as expected! Guy was nice tho - but says I need to go back Friday - so double cost this week!! Argh!!!

    Hopefully it will help me get back on track! He says without physio I would still be as bad in 12 months time! He thinks it will take 6-8 weeks to get better from today - but that I may be able to go to work again before that...

    Good news that it will be 6-8 weeks. When do you think you will be able to head back to work?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • se999
    se999 Posts: 2,409 Forumite
    Saving holmes thanks for letting me know about bp. Requested 2 more amazon vouchers last weekend. Have you tried woohoo yet, they do £10 amazon vouchers, or save for choc or champagne hampers. PM me if you're interested, and I'll give you more info.
  • se999
    se999 Posts: 2,409 Forumite
    Forgot to say I love the keyboard & mouse :)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    se999 wrote: »
    Saving holmes thanks for letting me know about bp. Requested 2 more amazon vouchers last weekend. Have you tried woohoo yet, they do £10 amazon vouchers, or save for choc or champagne hampers. PM me if you're interested, and I'll give you more info.
    Glad bp is working for you - I did so well today and got in a redeem after getting bells and winning some bingo! I am feeling more positive again today - so either the tablets are working or my hormones are settling down or something...! Either way I am very grateful. I hate it when I enter the proverbial tunnel of doom - where everything seems black!

    Not heard of woohoo - feel free to pm me about it.

    CMD - Did ask him re work - he said it would depend how my body responded to today - could be like a radical improvement or depending on scar tissue could take several sessions for me to really notice the difference. He has given me lots of exercises to do. He recommends doing a little walking 5-10 minutes or so every hour plus some rocking and tilting on my toes and other exercises, he also recommended icepacking every 2 hours today for 15 minutes as he reckoned the pain would be significant.

    He told me he thought I had sprained every muscle in my knee!! but that it wasn't possible yet to diagnose whether I'd torn anything....

    Just spent another £21 in Mr Ts so have overspent on food again - but did set a very low target. Will be interesting to see where I end the week - food total wise!
    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
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