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Trials and tribulations of a Debt Free Wannabee!
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Redeemed £5 from bp today too! Off to take DD into town now. Will checkout lastest Tesco clubcard deals while I am there and take in ID for DS bank accountAchieve 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 -
SH are you really concerned about this new job falling through or are you just covering all the bases?:A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0
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I got paid my sick pay today £310 so that is good... Unfortunately I have found about hundred pounds worth of clothes I want from M&S. Strangely OH would like to me to wait for my unconditional offer....
Just picture mutley in Penelope Pitstop going "saschen fraschne waschen" in disgust!
We are tucking into a nice chinese takeaway.... Yum!
I have also just done some of the Tesco clubcard offers.... to get some birthday pressies for DD and me for May!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 catching up with you :hello:
Hope you receive the paperwork soon for the new job and good that you got your sick pay after all the hassle you've had.
I think you might have to tutor me on scratch cards and the like......1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Thanks IMD. scratchcards are easy.... also do bingoport.... I'll drop you a pm.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 -
Hope the paperwork arrives soon, just to put your mind at rest.
Enjoy your weekend.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 gill - spoke to them today - they are only just putting it in the post!
Well kids now away for 2 nights so OH and I can have some peace.
One of my pro-bono coaching clients is thinking of paying me when his sessions are up.... Fingers crossed.
Spent £21 today at M&S on food - but that should last a few days - and thought was cheaper than a meal out with OH....LOL
£38 arrived today from various cachback sites...
Had some good luck on bp today - so hope I will be able to get 2 redeems next 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 -
Enjoy your date with oh - what a lovely way of thinking of it.
It feels as though I have been off work for ages - it has been so nice and realaxing - we usually have to dash here and there or decorate or something - but with no real plans as such have taken each day as it has come along and thoroughly enjoyed it.
Have a lovely Easter
MilannJanuary spends - £587.580 -
Thanks Milann
Yeah had 2 free days without kids - bliss! So peaceful! Sis had just returned them - and they have had a great time too! DD and DS got £10 each and DD in particular came back with a really large Easter egg and goodies collection!
I'm off to buy some cheap pizza shortly and coke to watch with the latest episode of Dr WhoAchieve 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 the pizza - just what 'the doctor' ordered.January spends - £587.580
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