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Trials and tribulations of a Debt Free Wannabee!
Comments
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Afternoon, glad the knee is better after the physio.
I'm sure I posted about the computer yesterday but the post has disappeared (?)Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Good news about the knee.0
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Glad the physio has done some good on the knee. Mine has been playing up, might book myself in. You forget how physios are actually quite good!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 Gill, IMD, and Se
Well parents have been - they came mid hoover! Well it could be worse! They picked DD up from school for me - and I fed them! They gave me the money for this week's physio which as you can imagine is a big help! They are also buying some stuff off amazon -which effectively will convert my bp vouchers into cash for me which is also useful!
DS bought a cd by Jason Mraz - it actually has at least one song I really like on it - so that is good - his cost my enjoyment LOL! (he now wants to charge me for the privilege of listening to it ROFL told him he had no chance!
Hope you are all okayAchieve 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 -
savingholmes wrote: »Hi bz - nearly called you your name then! Is it one of those tiny keyboard pullout things or what is it like? Can you find a picture of something similar and paste it on here pretty please? what colour is it? (colour might not matter as I will probably paint it pink for her anyway LOL)
Birch and white Mikael workstation currently £65 at Ikea. The back board thing is optional put on/leave off, you could just use the desk base thing iirc. The white bit of the backboardy thing is a white board. (full details here) Lemme know.
Mine took a month and it was "urgent"!savingholmes wrote: »I've got my nhs physio appointment thro 22/3!!!!!!!! Disgraceful. That will be about 6 weeks after I was referred!
:jsavingholmes wrote: »Well parents have been - they came mid hoover! Well it could be worse! They picked DD up from school for me - and I fed them! They gave me the money for this week's physio which as you can imagine is a big help! They are also buying some stuff off amazon -which effectively will convert my bp vouchers into cash for me which is also useful!
:rotfl: Sounds about right!savingholmes wrote: »he now wants to charge me for the privilege of listening to it ROFL told him he had no chance!"I am indelibly stained by hope and longing" - Nuts in May0 -
Thanks for the offer BZ - OH says those cupboard things tho for the pc tower cause it to overheat. In our experience those pull out keyboard things snap off when exposed to kids!!! Probably will stick with the table idea. May go to a local charity furniture shop - and see if I can get anything from there.... You never know! I got a dressing table for DD from there for £14 - painted it pink! You'd never know!!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 -
considering these from ikea - she will only be 7 at her next birthday so although basic I think they would be alright
snille chair from ikea £18.99
This vika amon / curry table from ikea is £15.99
What do you 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 -
savingholmes wrote: »considering these from ikea - she will only be 7 at her next birthday so although basic I think they would be alright
snille chair from ikea £18.99
This vika amon / curry table from ikea is £15.99
What do you think?
I absolutely love it!!!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
aww thank you! I think she will too as she adores pink - and the white will keep the room looking big! It is affordable as well which is important - although my parents or MIL would probably buy it for her if needed. I would quite like my MIL to buy her a new bike tho as she is outgrowing her current one - so would prefer my MIL to buy her that which she probably would...clearmydebts wrote: »I absolutely love 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 -
They're super savingholmes, she should love them.0
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