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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Glad you had a peaceful 2 days away. Enjoy the pizza. Yum yum!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hope you had a good Easter.
    Glad to hear the sick pay came through and hope paperwork follows quickly.
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi milann, cmd and jellie

    just been visiting my parents. Back safely now.

    £5 redeemed from bp
    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 10/10/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hey saving ... have been wondering what has been happening with you ... havnt been on till recently and when i was on didnt see your diary ... gonna nip back a few pages and catch up ... hope things are going great for you all
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi el - paperwork has arrived for new job.

    Will be earning about a third less than 18 months ago but much more than I earned in practice last year due to being jobless a lot. References and medical allowing should be able to clear or almost clear debts while have job...
    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 10/10/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    thats great news ...and i saw something happened to your knee is it ok now? how is the wii going? and what kinda coaching was it you had ...s till reading lol ... i got cut off by my dongle so gonna nip back to read it now
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ok N.L.P did i miss something ? or totally forget something? tell me more ... right back off to read again lol
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi el - nice to see you back!

    Yeah I am also looking to set up a coaching business in my spare time as you do! The idea is that this day job - is very local - thus cutting commuting time. It is also kind of sideways / lower job move so I hope I will find it less mentally tiring. Hope to them do some coaching at night and weekends and see if I can build up my coaching business during the 11 months or so of the role....

    NLP = neuro linguistic programming - where basically you try to reprogramme / retrain your mind to achieve more positive results...!

    How's it going with you?
    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 10/10/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    things are good have left uni and am loving my placement still nearly finished massage class have made plans to walk the w.h.w (does ya fancy joining)

    am a master N.L.P practitioner myself ... knew i liked you for a reason lol lol lol
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    wow just read back about 6 pages or so ... boy you have been busy ... good busy but busy am liking the summer holiday idea have you spoke to your friends yet?
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