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Trials and tribulations of a Debt Free Wannabee!
Comments
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It's like a watched kettle this thread - when I watch it no-one posts and when I leave it I get loads... Thanks guys - nice to come "home" to!
yes my mil is fab. Dinner was yum and I am feeling better in myself again. DS's sports day tomorrow - so we are both hoping for rain... he thinks he will come last in most of his races LOL! I don't want my MIL to visit (to watch his sportsday) as I will have to tidy up again! I don't know why our house deteriorates so quickly but it does!
Glad you all seem okay... Hope we get a good start to the week!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: »Dreading my CC this month too as lots of car work went on it... Just want it to arrive so know how bad it is... may give the card people a ring so I can get an idea of the balance....
!
Hi SH sorry I havent been on for a while , your diary moves on so quickly I cant keep track!
just a thought about your CC's . you could put them online and then you can keep a close eye on them .
went to see harry Potter on friday with DD1 we really enjoyed it .
hope your ok
edited to say OH and DD2 have been in paris this week and the house has been immaculate , they came back yesterdayand the place is a tip! :rotfl:0 -
hi SC not caught up with you for ages - hope you are okay!
I keep messing up my online password for that particular account.... I need to get it reset and I have been too lazy! Glad you enjoyed Harry Potter - we did too.... Trip to Paris hey - can't be bad!
I need to get into gear and tidy my house up before sports day! Really struggling to motivate myself today!
OH is planning to go out straight from work to see one of his mates tonight and I have got a pass out for tomorrow to see a friend so that should be nice.
As well as tidying I need to take OH's road fund license into the post office so we can get it refunded. We should get around £90! Woohoo!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 CC bill arrived Spent about 1465! :eek::eek::eek:last month
Approx
£730 on car repairs/deposit
£353 groceries
£126 petrol
£74 dining out
£29 garden/maintenance
£27 cinema
£12 clothes
£116 books, household items, luxuries odds and sods
on top of about £700 from main bank accounts plus OH spent £130 on a CC!
To give you an idea - we should have been at more like £630 total spend on groc, petrol etc. Need to give major attention to this but hard as we are coming into the holiday season and are going away twice in the next 6 weeks. Even if we ignored the car spend, we spent double what we planned....:eek::eek::eek: OH doesn't think it is that important as he is sure I will get a new job soon but if I don't it will be a major problem as our savings won't last long....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: »well CC bill arrived Spent about 1465! :eek::eek::eek:last month
QUOTE]
Is that all?? ours came in at over £4k this month!!!! but over £3k is something we've been planning & saving for for years so the money is there to pay it all off.....should be good for clubcard points though!!
Our groceries spends were similar & we only have part-time little people so you're doing well & we're doing bad bad badI do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
On the positive side - I should be getting a pension refund soon of between £1400-1800 so that will prop up the kitty a bit.... We do need to get much stricter with ourselves on what we spend money on tho...
2 birthdays in the next couple of weeks including OH who has asked for something costing £80! I think I am going to have to go back to cash and envelopes or tubs to try and get us back on trackAchieve 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 -
Lurker1972 wrote: »
Well thanks for the support - but I think you missed the bit where I said - we spent on groceries etc from our main account ON TOP!savingholmes wrote: »well CC bill arrived Spent about 1465! :eek::eek::eek:last month
QUOTE]
Is that all?? ours came in at over £4k this month!!!! but over £3k is something we've been planning & saving for for years so the money is there to pay it all off.....should be good for clubcard points though!!
Our groceries spends were similar & we only have part-time little people so you're doing well & we're doing bad bad bad
The thing is our monthly income has dropped from about £4k too £2K including benefits so altho we are doing much better at managing our money than we were while I was working... Our fixed costs are about £1300 before we even start on petrol, food etc! I know that is still a lot bigger budget than some people manage on but we still find it hard adjusting!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 -
oops! yes, did miss the on top bit
but still, its a big adjustment to make & there's bound to be a hiccup or 2 along the way
It doesn't change the fact that you are on my 'inspiration list'I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
Hey SH, sorry I've not posted for a while, just caught up, glad you have got another car and MPG is good. I've got my Mum's Fiesta at the moment (going to be buying it) it does 56 round town and 72 on a long run and costs £35 a year to tax it... wooohooo
Fingers crossed you'll hear about the job soon xxx"Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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hi lurker and tigs...
Well today has been okay. Only bought a stamp to send off our car tax refund form so pretty good for me!
Sports day for DS went okay but they have rescheduled DD's for tomorrow - arghhhh and mil coming again!!! 3rd time in 7 days shouldn't be allowed!
I really want to try and get car sold for scrap tomorrow and get it done and dusted...
had a serious talk with OH about money today. Should be able to move some of his debt to another 0% card but the repayments will go up from about £25 min payment to more like £200+ which could be quite painful....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
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