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Trials and tribulations of a Debt Free Wannabee!
Comments
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sh... did u get my email?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 -
yes thanks mrsc - very helpful - I thought I replied? I am sure I did LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
have looked.. no email - just checking u had received it.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 -
I go away for a few days and look what you've achieved. SOunds very exciting SH. Well done on everything.0
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Hi MrsC - will try and resend email - how weird - I definitely wrote you one!
Hi CSA yeah just done a bit....
Still need to complete my money goals for today.
Currently adding people on Twitter - finding followers etc. Have also just been out with a friend for coffee which was positive.
Want to try and do some wii fit today have been neglecting that recently! I went up a few pounds and didn't want wii fit to record it so neglected it - makes no sense when you see it in black and white does it LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
savingholmes wrote: »Want to try and do some wii fit today have been neglecting that recently! I went up a few pounds and didn't want wii fit to record it so neglected it - makes no sense when you see it in black and white does it LOL
Eldest DS has borrowed mine currently. Initially I did the body test every day, but to be honest it worked better when you did it just something like twice a week, as your weight does fluctuate quite a bit at different times of day etc.
So why not ignore the body test, but still log and do the fitness.0 -
You're going great guns, well done.
Are you going to out the site link on here and linkedin so we can have a peek?:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
I feel distraught - I can't cancel my professional indemnity insurance - so have to pay £206 for the year when if I had got it elsewhere I could have paid £46!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
I have contacted the FSA and they have advised me that it is considered extremely poor practice not to give a cooling off period and advised me on what to say when I contacted the company to complain. So have now duly complained and they have promised to contact me within 5 days with their response. My dilemma now is - do I go ahead and get the £50 insurance on the basis they will refund me £200 or not!
Decisions!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
I have just spoken to someone else from the company who said someone will be in touch tomorrow. She seemed quite dismissive of my complaint. EeekAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260
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