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
-
Oh well felt fairly carp today. OH gave me permission to spend a tenner - got a dvd, choccies and tulips with that so that cheered me up some. Got a funny e-mail which I shared with a friend - that gave us a laugh too. Just hit withdrawal level at scratchcard site - giving me.... a tenner! I love the make £10 a day challenge - it was invented for people like me I think!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 -
morning sh!
you were up late... for once i was sleeping like a little baby... a very rare thing these days.
had a bizzare dream that i sort of enjoyed. i dreamt i was in the army as a trainee but i couldnt go off to camp as someone had stolen all of my shoes.
what does that all mean? then the alarm went off.
today - i face a true battle... the ironing!!!
haha
hope u have a lovely day
xx 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 -
Hello all esp Mrs C for visiting my thread this am!
Well I woke up this morning to horrendous cramp in my left leg. It carried on for 20 mins or so. I had to wake up OH to try and get it unlocked! It was agony. I had that almost fainting buzzing sensation in my ears... I think I just mustn't have drunk enough yesterday or something! So that started off my day really well - moan, moan, groan, groan, mutter, mutter.
Right well the moaning and whailing over with today I will:- Have cheese, tomato and spring onion with side salad for lunch
- Apply for some jobs (yes really!)
- Take rubbish to the tip
- Get the kids from school
- Do some more housework
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 -
Afternoon,
Hope you are well today, despite waking up with cramp. It kills doesn't it!
I have to say I am jealous of your tulips....I love tulips :heartsmil.....i've stopped myself these past few shopping trips on spending the extra couple of pounds. Aren't I good! They do look lovely though and even better in a bargain vase like yours:D
Did you enjoy the salmon salad - very healthy
Like mrscmr - i had a weird dream last night too. I was stuck on and island and needed to get to the other island which had a horrible rough sea (not good with rough seas or sea water out of my depth) between them and the only way to get across was on a scary roller coaster which was so high (I'm not good with sheer drops) - I took it and did get to the other side but bliming heck I woke up feeling like i'd actually done it :eek: What's that all about
Must get back to work, good luck with the job apps.
K x0 -
Thanks Karen - I sympathise re the tulips - I adore them. We have a roundabout near us where they have planted the whole circle apart from a strip around the edge in tulips - gorgeous!
See you later. May do the charity bag and the tip first and get them over with while I work up motivation for job hunting!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 -
sh - i was sort of half reading the bit about tulips on a roundabout... but i was watching casualty [recorded] at same time... suddenly thought i had read - you had half-inched the tulips from said roundabout... had bit of shock and had to re-read it. releived to see you hadnt!!
have gd pm
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 -
Just wanted to say Hi!
I have been catching up with your thread and thought I'd wish you luck on your journey.
0 -
Ooh the roundabout sounds lovely! I wonder if we have anything like that round by me, trying to think of nearest roundabout??? Funnily enough went for a run at lunch time and do run past a round about but sadly didn't have glasses or contacts in so blind as a bat. I prefer it that way as then can't see people in cars laughing that the red and flustered person running along :rotfl:
OH has just left to take our charity shop things....thanks for reminding me
Have a lovely afternoon, x0 -
Busterollie Thanks so much it really DOES make a difference when people post! I'm in that 3 day "nobody loves me" time of the month - so double thanks for posting and for the cute picture!:TBusterollie wrote: »Just wanted to say Hi!
I have been catching up with your thread and thought I'd wish you luck on your journey.
MrsC always tempting to nick the tulips - but being made to take the daffodils back that I half inched as a kid taught me a lesson even if I did just leave them on the ground near where I'd picked them instead of going into the bowling club and owning up!:rotfl:It would also have spoiled the design which was gorgeous. Saw a few more tulips when I was taking the stuff to tip and charity shop so that gave me a lift.
Karen - interesting picture of you running along all red an flustered ! I'm sure it makes a prettier sight than it would be if I ran along since I weigh several stone more than you!
Pouring down with rain currently here. Did nip into Next while I was out but nothing suitable for interviews. I have just remembered I also still need to book that hair appointment! Still need to apply for some jobs / ring the agencies too!
CU L8R!;)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 you manage to find some jobs to apply for. They are like hens teeth where I live and also like you feel very fed up.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240
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