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Trials and tribulations of a Debt Free Wannabee!
Comments
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well done se - still have to try a bit harder in woohooAchieve 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 -
It takes a while to work it out, if you've not found something that works soon, let me know what you're trying. I'm fairly new there myself, so not sure if what I'm doing is one off flukes, or will work longer term. It'll be easier to describe when you've tried the games a bit, and know what I'm talking about.
Also the vouchers are twice as valuable as bp and it seems to take twice as long to get them, which seems about right, but it does 'feel' like it isn't if you know what I mean.0 -
SH - sorry its a drop in and run type post.
I have been a-lurking.
Furniture looks very nice, for sure.
Brilliant to hear that the knee is looking up (not literally of course!).** 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)0 -
Good morning sh, hope the knee is still improving. Just sent you a pm with a bit more info, hope it makes sense now you've seen the site a bit.
Have a good day & half term break.0 -
Thanks se for the extra info - lets hope it works soon.
Knee has been agony over night - really hope it improves again soon! At least I had an nsd yesterday.... Not today tho - nipped to Mr Ts after church to buy some food!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 -
Table and chair look fantastic - I know my dd would have loved them when she was a littlie!!
Good news about the knee beginning to improve.
Went out with dh today and had a walk along the sea front - it was a lovely bright morning as we left here but Blackpool very drizzly and overcast - couldn't see the top of the tower. Enjoyed the walk though but did give in to temptation in the form of a carvery - so with drinks and a pud for dh was £25 - put it on cc which will be paid off next month. Should have stayed at home really but sometime you just NEED to get out LOL!!
MilannJanuary spends - £587.580 -
Been following the chat about bp - will have to look at this again. I just can't seem to work it out, joined it on recommendation, but it just seems to get me lots of emails that then want me to spend money on different sites.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 -
Hi gilligansyle, it's not like scratchies where it's quick to do and an instant credit to your balance, on bp you have to post or do the wicked wheel to get points, although there are occasional surveys. Then the rules are you have to play through the points before redeeming. So it's not instant, so it depends on how much time you've got really. Woohoo is like that too, except you get a daily top up to your recharge amount if your balance get's low, so don't have to post, but it takes longer to play through.0
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hi milann, gill and se
Milann - we all need a treat sometimes - this week is half term for us so likely to be expensive.
Gill - I just completely ignore the emails - you can even unsubscribe if you want - but I do make about £20 or more a month from bp alone
Se - now have 3 gold stars - just need another 197 more 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 -
SH - how's you? When do you have to go back to the Drs?
Got any plans this week with the kiddywinks?** 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)0
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