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Immoral Angel's Grand 6 Month Plan Diary

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Comments

  • buddiebabe
    buddiebabe Posts: 1,408 Forumite
    Hope your enjoying your girly night and all the comfort food

    Buddiebabe x
    DEBT OUTSTANDING 23.04.17 £16802.97
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi just popping along to wish you good luck with your 6 month plan!
    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 10/10/25
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Ok.. the small budget blow out turned into retail therapy.. went to the shop for the DVD PS I love you, and came out with £60 worth and a mcdonalds... part on credit card and part cash... oops! Ah well. Will just take it off my social budget and make up for it. I was supposed to be going to a gig tonight but not going now as I was supposed to be going with the friend involved in all my heartache. :( Don't think I'll be out on the weekend either as he'll be there.. so will probably make up for that splurge by not going out. Got a party to go to sunday night anyway but it's a houseparty so will be much cheaper. Definately not going to be spending any money today....
    damn downers.. they make me eat chocolate and spend money.... but hey.. I'm not complaining about the chocolate.. plus I've got plenty of movies to make me smile now :) Shame I hate watching them on my own.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • jinky67
    jinky67 Posts: 47,812 Forumite
    immoral_angeluk wrote: »
    Don't think I'll be out on the weekend either as he'll be there.. .

    I know it's hard hun, but dont sit in moping. Go out and enjoy yourself, show him you dont care ( even though you do:o )

    Why should you have to put your [STRIKE]social[/STRIKE]life on hold because of him?:cool:
    :heartpulsOnce a Flylady, always a Flylady:heartpuls
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    jinky67 wrote: »
    I know it's hard hun, but dont sit in moping. Go out and enjoy yourself, show him you dont care ( even though you do:o )

    Why should you have to put your [strike]social[/strike]life on hold because of him?:cool:
    Because all my friends now I met through him, and I can't see me being very welcome if he's there... plus his 'other choice' is the barmaid in the pub we drink in.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • jinky67
    jinky67 Posts: 47,812 Forumite
    Now the barmaid bit i understand:grouphug: but surely your friends arent gonna ditch you cos of him, cos if they do then they aren't real friends
    :heartpulsOnce a Flylady, always a Flylady:heartpuls
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    jinky67 wrote: »
    Now the barmaid bit i understand:grouphug: but surely your friends arent gonna ditch you cos of him, cos if they do then they aren't real friends
    I know. Definately going to find out who my friends are after all this.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Little_Pickle
    Little_Pickle Posts: 3,022 Forumite
    hey IA.... good luck on your journey darling - your plan sounds great - I wish you all the love and best wishes in the world! :D

    Pickle
    xox
  • Jo4
    Jo4 Posts: 6,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I hope all is going well for you and your girls!
  • vandanfc
    vandanfc Posts: 2,048 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Congratulations on qualifying as a CAB adviser.

    Glad that you are trying to remain positive despite everything that has happened recently. The grand plan sounds good. You will get rid of that debt quickly knowing you and your determination.
This discussion has been closed.
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