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Trials and tribulations of a Debt Free Wannabee!
Comments
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Yep I am definitely a quick reader....
Hi Jellie and CMD
DD is feeling much better today. DS is at a party and I am about to play kerplunk with DDAchieve 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 -
Hi SH,
How are you doing on W now? It seems they've swapped to processing amazon vouchers in bigger batches so longer wait to get them. I'd started to worried, but 2 arrived for OH and 1 for me today, so our credit balance to spend at Amazon is improving nicely.
Hope you're having some good runs of luck there. Some days you just lose the points immediately, others you just can't lose!! When it's good the stars mount up really quickly.
Hope you get the formal offer of the job through soon SH.
Pleased to hear DD is feeling better.0 -
Well done on the job SH!
Is this a 'proper' job with a salary, or still through agency? ie will you still have the problem over invoices etc.
And the whole website, coaching thing seems to be going great too!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 se and gill
Well W I am on 161 gold stars - so still not had my first cash out!
Paperwork still hasn't arrived.
Going to a friend's shortly. Have had a quiet day so far - playing pick up sticks with my daughter and kerplunk and games like that. DS is miffed as he bought a game and it hasn't working....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 -
Think will see if DD and DS can be away Wed-Fri... need to set up and then hopefully can organise the house and have some date time with OHAchieve 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 had a brainwave about this year's summer holiday. We have childhood friends living abroad - I think I will approach them to see if there is any chance we could go over and stay with them. We would still cover food costs and we would spend some money visiting tourist sites but should still be cheaper than a normal holiday....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 -
SH, when do you sleep?0
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coldstreamalways wrote: »SH, when do you sleep?
methinks never!!!:)
its all go in your household, really goes to show how that other job was holding you back!
There'll be no stopping you now.......(touching wood so not to tempt fate)
well done
xI 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 -
When I am working I go to bed on time.... but currently awaiting paperwork for new job so last night went to bed at 3am and got up about 9 hours later..... (The kids fed themselves:rotfl:)coldstreamalways wrote: »SH, when do you sleep?
Lurker - yeah things seem to be going okay - I still need that paperwork tho! Then I can relax.
I have just renewed my car insurance through quidco - £75 cashback - plus £100 less than my renewal quote so was really chuffed :money:and that includes european insurance cover.... Total cost pre-cashback was £246 which I think is amazing! (so after cashback will be £171):j:j:j
OH likes the idea of us having a little car trip abroad during the summer, so need to work out how to set that up and make contact with the potential hosts.... Just hope they say yes!
DD was out playing this afternoon which was good.... Looks like they can't go and stay elsewhere until Thursday evening so will only get a little bit of peace but hopefully OH and I can squeeze in a date night or something... Should be good!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 -
Hi all
Just withdrew £10 from free scratchcards - fabarooni!
DS is out playing. DD is round the house today.
Paperwork for job still hasn't arrived so just sent them a reminder email.....
Am also wondering whether to bite the bullet and try and sign on... I think they will sanction me but if the job falls through at least I would get money quicker....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
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