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Trials and tribulations of a Debt Free Wannabee!
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The last couple of days have been better. Pay day always helps though.
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 -
morning SH - bet you are glad its saturday! im sure week 2 will be better - you will be more settle and start to find your own way through the new job and company.
best wishes
xHighest 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 -
I am very glad it is saturday. Made myself get up by 10am 4 hours later than yesterday! Normally would stay in bed until 12 or 1pm on a Saturday LOL!
OH has been to pick up DD, DS is with his auntie trying out outfits to be an usher at her wedding!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 -
Well DS stayed away over night giving us some more of that lovely peace. Been to church today and then went out to a local garden centre for a meal. We let our DD go on carousel - she started crying riding the horse! He stopped and let us all get in a carriage instead. Good excuse to come home tho! By which time DS was home!
So spent rather more than intended today but providing I stick my job out it will be fine... Love the £10 a day challenge - won £5 today at bingoport again so good start....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 -
Have a good week - sh!
im working right now.. earning a few little pennies!
xxHighest 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 -
Glad to hear you've got paying work MrsC. Right off to finish getting ready for work. Ideally should leave in about 25 mins EEK. Have a good day everyone. Won £2.50 (for a 60p stake) on bingo using scratchcard money this morning but there were only 7 players!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 -
Well, £2.50 is at least hard cash! Hope you have a good week!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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Hope today and your week ahead goes well SH...xx0
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Hi karen and hypno and any other readers! Yeah bingo £2.50 was a good start to my day!
Well I survived another day at work. Someone told me today they like things in microscopic detail! Argh! All my worst fears confirmed!
Oh well day off tomorrow in the sunshine with the kids plus a sneaky interview in the afternoon for a much more local job! Wish me luck!
Hope everyone else is okay
Bye for now. OH has cooked tea and ordered a skip for tomorrow!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 -
savingholmes wrote: »Hi karen and hypno and any other readers! Yeah bingo £2.50 was a good start to my day!
Well I survived another day at work. Someone told me today they like things in microscopic detail! Argh! All my worst fears confirmed!
Oh well day off tomorrow in the sunshine with the kids plus a sneaky interview in the afternoon for a much more local job! Wish me luck!
Hope everyone else is okay
Bye for now. OH has cooked tea and ordered a skip for tomorrow!
Glad you survived another day. Hope the sneaky interview goes well tomorrow. Fingers crossed!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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