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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi GG - can't really look for alternative employment when I don't know what the prognosis is for my knee!
I've just checked how much we spent in Mr As and Mr Ts - it was nearly £475 :eek: but some of that could be cash - probably is - but we also spent £190 cash and spent about £150 on petrol
Need to monitor our spending over the next month more closely I think - try and put it on a spreadsheet or something...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 -
sorry to hear about knee, SH...
spreadsheets definitely work for me... i live by them every day... hang on a minute i almost sounded sensible there ... me, mrscmr... surely not!!! xxHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
sorry to hear about knee, SH...
spreadsheets definitely work for me... i live by them every day... hang on a minute i almost sounded sensible there ... me, mrscmr... surely not!!! xx
oh yes, spreadsheets rule!!!! I'm obsessed with them....not sure if thats a good thing though!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
actually lurker.. its sort of good and sort of bad and sort of obsessive... i live my life by them now...:-)Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
actually lurker.. its sort of good and sort of bad and sort of obsessive... i live my life by them now...:-)
your ebay figures are AMAZING!!!! if thats what spreadsheets can achieve I'm happy to be obsessed!:)I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
thanks.. but the prob is the debt..... im no where near where i need to be with that :-(Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Hi MrsC and Lurker
Cheers to spreadsheets and all that!
Have realised tonight - that where I injured my knee - I have an old scar - from coming off my bike badly nearly 30 years ago - wonder whether that could still have an impact now? If I injured something that was already injured years ago?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 -
Redeemed another £5 from bp today.
Stayed in as was not feeling well. DD helped me tidy for an hour or so but other than that not done much.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 -
Weekends are for relaxing. No point doing too much if you have an iffy knee.
Have you been to the Drs? Are they referring you to the hospital? Apols if you have already gone over this......** 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 -
Hi GG - my knee was x-rayed back in December.... Physio says if not better than last week by Thursday he thinks I should be referred for an MRI as he can't understand why I am still having such a major problems.
I have switched this weekend to pain relieving gels - and they seem to work much better than the tablets.... the only problem is the gels are very sticky and attrack fluff etc!
This weekend I have also had major period pin just to top everything off - I think this is linked to the increase in my anti-D tablets as have experienced this before!
OH was out all yesterday at a conference and today took the kids to church for me. DS is playing out with a friend but DD still wants to be entertained. OH did buy a rotisserie chicken from the shop and hopefully dinner will be ready very soon. Shame he can't stand bones - he has just asked me to carve! I can cope with that.
Good news the bed for my spare room seems to be good and OH took some stuff to the tip - so some progress this weekend!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
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