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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »OH has been given a 2.5% pay rise from March which should help - really chuffed about that. He got nothing last year so this is good news! He should also get his overtime pay at the end of this week too.
That's great news
Have you decided where you are going to eat tonight?
I might go into town tomorrow and have a Mc Donalds!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
enjoy your McDonalds CMD!
OH fancies steak so planning to go to a really friendly country pub about 4 miles away.... I don't drink so even if he does -I can drive back.
He is planning to go out with a friend tomorrow night so good job I got in first with taking him out tonight!
I've experimented a bit with some makeup I got in the buy 2 get 1 free deal from Boots at xmas - OH seems to like it so that is good!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 -
Enjoy your evening SHx0
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savingholmes wrote: »OH has been given a 2.5% pay rise from March which should help - really chuffed about that. He got nothing last year so this is good news! He should also get his overtime pay at the end of this week too.
Congrats on the payrise, payrises are few & far between. OH was made redundant last year, and took a major pay drop to get a job. But in the current market getting a job was brilliant anyway.
Once half terms over we can do some pm's to try to work out the best way to get w working. Might not be online so much next week, flying back on Friday, and not sure what internet connections I'll have next week, but will reply when I can.
Have a super evening sh0 -
hi se and btd - We had a great time thank you - altho it stretched the wee purse strngs somewhat!
Today - taking DD to specialist - OH going to pick her up in a min and then need to feed her and take her. After that will collect DS and then later we are going to the cinema as a family which should be nice!
I also need to collect my sick note at some point - apparently I have one I just don't know yet how long for
OH is going to nip to the shop to buy bread and milk - looks like we are having beans on toast for tea!
Altho this week's meals out spends have been high - I deliberately didn't do a "proper" shop in the hope that it would compensate a little!
Still only on 10 gold stars on woohoo!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 -
Now at 13 gold stars.... only another 187 to go!
Took DD to specialist - she has to wear special shoes at night for 10 minutes a day to stretch a muscle under her foot bless her! We have also been told that high heeled shoes will help (inch or so) which is good as I had felt guilty about letting her have them. Apparently we should buy her heeled school shoes! Well that will shut up MIL and SIL!!!!
Still got our cinema trip to look forward to this afternoon so that is nice.... Knee hurts a bit today but not too bad.....
Have got a sick note for another week.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 -
Just trying to catch up on your diary. Glad you enjoyed meal last night and hope you enjoy the cinema2019 fashion on a ration 0/66 coupons0
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Hi jellie - seen from your diary that you are in the process of moving - so hope all goes well.
I have checked our finances today.
Spent less on the cashback card than normal and bank account looking okay - but hindered by the fact that
a) I still need to submit a timesheet for some days plus expenses dating back to December
b) I need to then send off expenses with relevant fuel receipts!
c) I need to send off my latest sick note!!
Without a and b) - March will be tricky ie resulting in major dip into overdraft! I think it is worth about £300
Just wish I could find the relevant get up and go!
We are doing better than normal - but not by enough..... So might need to rethink spending plans for the rest of the week! Would still like to take kids to Pizza Hut tho - and think can do it for £21 so that may be treat for tomorrow.... Need to find something low cost to do during the day - Thurs and Friday..... hmmmm
House is a tip and needs tidying... strangely I don't think that will count....
PS Just remembered OH should be paid his overtime this month so that should help a bit....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 -
Dont be too hard on yourself SavingH. You are in pain with your knee and that wont be helping at all.
The money is due to you so you will be getting it at some stage. Maybe try to do one task a day?Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hope you manage to get your paperwork sorted.
LTotal 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 #1240
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