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Trials and tribulations of a Debt Free Wannabee!
Comments
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Found the car ownership doc altho still not found mot cert but at least should be able to sell it nowAchieve 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: »Found the car ownership doc altho still not found mot cert but at least should be able to sell it now
Great stuff, I get so annoyed if I can't find something. Stays on my mind until its sorted!0 -
I get really annoyed too! It was at the bottom of a box that OH had already looked thro:rolleyes:Great stuff, I get so annoyed if I can't find something. Stays on my mind until its sorted!
Well today I have planted up 2 baskets and a couple of pots ready for when my sister gets married - in the colours of her bouquet no less... now just need to deliver them!
DS had his last day at primary school today - came home with his shirt signed. Also went to a leaver's assembly for him... Been a busy 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 -
hi guys - old car being picked up Monday in exchange for a whole £85!
Had a nice day today - went and saw my sis - dropped off the plants - she was chuffed to bits. DD tried bridesmaid dress and shoes on too and looked gorgeous! DD lost one of her front teeth during the night - sis not that pleased as won't look so good on the photos! oh well. Had a nice meal out too. Went and saw MIl on the way back as traffic was horrendous and it was on the way.
Got another £5 from bp today plus about 40p on free daily scratchcards.
Nothing else really happening.... Hope all my readers are having a good one!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 I have successfully transferred £5K for 6 months to a 0% rate as previous 0% expired... at a cost of £62.50 :money:as I had previously threatened to close the account. Woohoo!
We have also recently transferred £2K for 6 months to a 0% at a cost of £50! :j
Still need a home for £3K - may try Egg - unfortunately it means all our 0% deals likely to expire at the same time!:eek:
Rest of money either on 0% or 3.45% for life of balance :j
Unfortunately our min payments set to change from £165 per month to about £390! :eek: As the card that had £10K on had a min payment of only £25 and that is the one where the 0% just expired! In theory it brings our DFD forward from about 8 or 9 years to about 3 and a bit (excluding car) - however in reality if I don't get a job within the next 6 months we will start to be in trouble - and would probably get back to robbing peter to pay paul! Have to stay positive and trust that it won't come to that! Obviously the min payments will come down over time too so may not be too bad!
Hope everyone has a great 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 -
Might be worth starting to make "what if" budget scenarios based on different incomes over the coming months, then even the worst case scenario won't be such a shock or a horror if it arrives.
Hopefully eveything will be fine, and you won't need to worry about it, but best to be prepared.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 -
hi hypno - I think basically if I don't have a job by sept/oct I will just have to either a) accept a job in my industry at lower money or b) do a shop job or something in the evening while I continue to look for workAchieve 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 do find a job soon. Aren't you still in the middle of one of your multi stage interview processes? Can I ask what you do as all the interviews sound protracted and scary :eek:
Have you explored the mystery shopping / survey / dooyoo stuff? I openly acknowledge I couldn't do the reviews but like the idea of some MS especially coffee based ones :rotfl:Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
hi shelley I'm at stage 3 of 5 of an interview process currently! I've sent you a pm....
Well just got £85 for my old car - very sad but there we go - finally in my pocket!
We are going to Gretna Green Thursday (don't worry we are not eloping!) and then on into Scotland for a few days which should be fun!
Hope everyone else 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 -
stage 3 of 5???? flippin heck....you must be cleverer than politicians!!
chose today to start spring clean....why o why o why o why????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
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