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Trials and tribulations of a Debt Free Wannabee!
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Fingers crossed that they let you out of it2019 fashion on a ration 0/66 coupons0
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I disappear for a few days and all sorts happens.
Well done on getting the web site up and running.
Surely distance selling regs apply to your insurance? Good luck with it anyway.
GDebts 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 -
Thanks Jellie and Gill!
Still don't know the insurance outcome. The sun is shining today though and that is a good start. Just coached a pro-bono client. My contract has been reset up so I can finalise sick pay and holidays so that is good. Should get some income briefly in 2-3 weeks time!
Things I want to do today
1) Send off sick notes
2) In put holidays
3) Input expenses and fuel receipts
4) [STRIKE]Visit the library and return books before overdue!! Get new ones to prevent me spending money I can't afford[/STRIKE]
5) If stays sunny do some work in the garden
6) [STRIKE]Tidy up house before visitor tomorrow!!!!!![/STRIKE]
Hope everyone else is okay - sorry I have been neglecting diaries..... will try to catch up soon.
I am going to give myself a break from my website for a bit if I can as my eyes have been getting sore!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 -
The insurance have rung to say they will refund me all but £20 admin fee which I am happy with. So £186 coming back to me - of which I then need to pay out £46 !! Woohoo! What a difference! That is just for personal coaching. If I do end up doing business coaching too - I will need to upgrade and pay a further £53.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 -
That's great news SH!2019 fashion on a ration 0/66 coupons0
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Brilliant news!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Great news on the insurance SHDebts 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 -
Thanks Gill, CMD and IMD
It was such a relief I can't tell you. I thought I was going to be like the jeans and guitar insurance adverts on tv saying "this is what I could have bought with the money I'd saved if I had just...."
CC bills arrived today ouch.
I did get round to serving notice on the second after school club so that was one good thing.... Sick notes not quite in the post yet though. Did get some useful books from the library on blogs, twitter and building websites - hopefully they might help with my technical problems!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 -
You're really motoring on getting your business sorted.2019 fashion on a ration 0/66 coupons0
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Thanks Jellie - I spent about 9 hours today setting up 3 pages on my blog. I used WordPress for my blog - and you can have free "themes" with that - and I prefer the design on it to the one for my main website.... Wonder whether they do website templates?? The pages of my blog do look pretty now. I also have 24 followers on twitter which is something at least!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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