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Fresh start....

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Karen well done on the NSD and for persevering with the overtime! I think you are doing really well!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Whilst having five minute break from work thought it would be useful to write a list of what I want to achieve after work. I finish at 4:30pm so from then I want to....

    1. Do full work out to dvd.
    2. Put another wash load on and put out one to dry.
    3. Hoover entire flat throughout.
    4. Quick spruce of all rooms.
    5. Chill out and relax in bath and then.......

    Pop back here to catch up on everyones diaries. Been so busy of late not really had time to read any properly so it'll be early to bed with the laptop :D
  • beckseven
    beckseven Posts: 877 Forumite
    You sound like you're doing well Karen-what exercise dvd do you do? i do Davina mccall power of three at the moment but tomorrow as it's may and the wedding is in a weeks time i am going to do Nell McAndrew-i'm scared as it's really hard!
    HSBC Visa-High interest-£2349.23 Nat West £2605.18
    My Overdraft-£1500
    Barclaycard-1089.77
    Marks and Spencer card- 3331.30 next 92.67
    Total was 11066.29 now £10,968.15
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Most exercise I do is pushing the button on the remote, so well done for doing it.
    L
    Total 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 #124
  • Karen_30
    Karen_30 Posts: 823 Forumite
    beckseven wrote: »
    You sound like you're doing well Karen-what exercise dvd do you do? i do Davina mccall power of three at the moment but tomorrow as it's may and the wedding is in a weeks time i am going to do Nell McAndrew-i'm scared as it's really hard!

    Hey,

    I do a mixture of dvd's, depending on how energetic I am feeling :rotfl: Good on you for doing the Davina and Nell.....their toughies!!!
  • Karen_30
    Karen_30 Posts: 823 Forumite
    lucielle wrote: »
    Most exercise I do is pushing the button on the remote, so well done for doing it.
    L

    :rotfl::rotfl::rotfl:Love it, i'm just sat down for some remote pushing!
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Karen_30 wrote: »
    Whilst having five minute break from work thought it would be useful to write a list of what I want to achieve after work. I finish at 4:30pm so from then I want to....

    1. Do full work out to dvd.
    2. Put another wash load on and put out one to dry.
    3. Hoover entire flat throughout.
    4. Quick spruce of all rooms.
    5. Chill out and relax in bath and then.......

    Pop back here to catch up on everyones diaries. Been so busy of late not really had time to read any properly so it'll be early to bed with the laptop :D

    So, i've done.....
    1. Work out dvd.
    2. Hoover of flat
    3. Quick spruce.....really quick!
    4. Put out washing to dry, going to wait to put the other load on until later as will run out of drying space and hate having clothes drying all about the flat.

    Will run me a bath a bit later and grab that early night.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Karen_30 wrote: »
    :rotfl::rotfl::rotfl:Love it, i'm just sat down for some remote pushing!
    that's about my limit too! Hope you have had a good day - not been bad here at all! I have a snazzy new haircut !:j
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    that's about my limit too! Hope you have had a good day - not been bad here at all! I have a snazzy new haircut !:j

    We crossed messages as i've just posted on your diary :D I always feel like a new person when I get my hair done, bet it looks fab!!!
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Sounds like you have been nice and busy already this evening! You still have 2 weeks left for the over time target and I am sure you will do it :beer:

    I haven't long got in and think its going to be a chill out night for me, aside from popping into town to do the mystery shop but that is dinner sorted as well!

    Enjoy your early night! :D

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
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