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Trials and tribulations of a Debt Free Wannabee!
Comments
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I've spent about 10 hours on it today - I had better get this job! Did slip out for a couple of hours for a coffee with a mate. Kids also both had play dates for part of the day which helped.
Hope everyone else is enjoying the bank holiday weekend!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 sounds like you needed that break, you are working really hard.
I am having a quiet bank hol, confession coming up.... I am still in my jamas
i have been looking and sorting the online banking (mine and OH accounts)
I have also managed to get 4 free tickets to see 'last chance harvey' at the cinema at the end of the month :j:j courtesy of sky. i am really pleased
DD1 is making mini meatloaves for tea with mash and veg,
hope you are all ok0 -
Hi all - well presentation finally prepared and interview answers practiced with a friend. I've also helped the same friend - see how she can save £2k by moving to interest free and snowballing and talked her thro the £10 a day challenge and how to manage her budget. It is nice to pass on the skills I have learned.
Also had a visit from my sister and her boyfriend - bringing xmas pressies (from 08!!!). Kids enjoyed that. They have also been sharing a friend to play with that so that was good too.
Meals have been quite mse today - cheese and tomato and springonion toasties for lunch with coleslaw and chilli and rice for tea!
Feel more relaxed now I know that I am prepared for tomorrow!
Hope you are all okay!
SC really good news about the free tickets - well done for your other mse activities too! Glad you are having a rest - you deserve it!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 -
Good luck tomorrow!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Thanks very much hypno!
Well today I managed to save £98 on my home insurance AND get paid £3 for getting quotes via quidco! I also got paid £1 referral fee for a friend and got 30p in scratchcards. That should hopefully balance out some of my recent spending!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 -
Good luck with the interview tomorrow SH, sure you will woo them with the new haircut and interview clothes. Best of luck x0
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P.S. Not to mention all your skills and knowledge
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Thanks Swinstie for the vote of confidenceAchieve 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 savingholmes,
Thinking of you today - long time lurker! You sound very well prepared :T and with all the lovely confidence boosting clothes etc! And speaking slowly might be better than too fast - can sound enthusiastic but also nervous.
Good luck :beer:
Maggiem0 -
Good luck for today.
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
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