We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
Too true sadlyHmmm....the parents rowing might be more of an issue!
I told you freecycle was worth a shot :j:jReally pleased for you - more for your wedding fund now!You'll be relieved to know that your sister has had a Freecycler offer her a Black and Decker "4x4" (I'm reading "heavy duty and should be able to handle the dodgy lawns";)) lawnmower and will be picking it up tomorrow :j:T How awesome?? :shocked:
Well today I was showered BEFORE taking the kids to school. I have won 40p on my daily scratchcards and £5 (amazon voucher) :jfrom bingoport! So off to a good start. Still need breakfast and then plan to have another go at those tests. The links to the real thing haven't arrived - may chase after lunch!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 -
Oh well just done another timed maths test. Tried 23 out of 30 questions of which I got 17 right which puts me at the 37th Percentile. I think I will just have to accept that this is my level. 6% better than yesterday tho!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 -
hey sh
keep going... you're on the right track im sure.
its lovely day today too nice for sitting inside and working thats for sure.
ebay is really storming ahead.... i so glad i started it.
catch u later
mrscmrHighest 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 -
Well I've picked up DD and guess what a play date from school. Luckily DS is off on playdate himself...
My CC bill arrived - my cashback one - it was a few hundred higher than I expected but most of that was March spending so I refuse to get to down about it. We can still pay it off in one go.
I took mrs C 's advice and sorted clean washing into piles in the garden - surprisingly it was done a lot quicker. I am also filling up my pond with my hose pipe. We have 6 fishes - I kind of thought they needed a tad more water to swim in. Speaking of tad - we also have lots of tadpoles! So the girls are very excited about them! It's too hot out there tho without a pool LOL so I have snook back inside
Hope you are all wellAchieve 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 -
I finally did something just for me! I met up with a friend tonight and we went to the pub and had a quiet drink and in my case a pack of crisps (cheaper than the pudding I normally have!)
Lovely.... Now if I can just get the directions for tomorrow to actually print!
PS sortedAchieve 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 -
Morning.... just a quickie to say hello!!!
xxxxThe good you do comes back to you.DFW Long haul supporters No: 134
0 -
Hi Ruby! Nice to see you on here!
Well I had an interview this morning. I allowed 2 hours to get there and by the time I'd spent 40 minutes driving round in circles it took you guessed it 2 hours 10! Luckily the interviewers had had the same problem although in their case in a taxi so were also late! Interview itself seemed to go okay.
My tests have arrived so I think I'd better get on with them! Eek!
Hope everyone is okay?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 -
hi sh
hope it was ok today.
its a lovely sunny day
im searching the house for ebay items and have a big haul!
i even did some proper work which i have already invoiced for soo will get paid in couple of days.!
have great afternoon
mrscmrHighest 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 -
Hi Mrs glad you've had real work come in too! Well done on finding a new treasure trove to ebay off! Good luck with that!
Well I've done the verbal test but not the maths one as there isn't enough time before picking up the kids. I will do it soon tho honest!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 -
Hello,
Hope you are ok? Hope the interview went well.
Glad to see you took some time out for you, pub and friends Have been busy doing my bits from my list, getting there very slowly!
Have a nice evening,
K x0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards