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Fresh start....

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Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    Ooh, i'd love to get out in a garden at the weekend....might have to pop home for some use of my mums garden :D

    Well i've just had two HUGE bills for gas and electric through so need to look into these, can't afford these all the time. Will get OH to go through bills at the weekend...not one of his or my favourite jobs as we both end up arguing :rolleyes:

    Still, not going to let it get me down. Need to stay focused and get on with things. Again for the rest of today I am going to obviously work and then when finished finish blitzing the flat so it's up together for the weekend. There is no overtime this weekend so i'll be able to chill out in a fresh clean flat and OH is not working either so ideal for some quality time....either that or get on each others nerves :rotfl:

    I need to sit down and sort through paperwork etc so may do this too, also my Dad is home for weekend (works away) so def have to pop down for a visit to see him too which will be lovely.

    Right time for a list me thinks.....
    1. Clean flat
    2. Sort paperwork
    3. Start back on healthy eating (been bit bad of late)
    Small to start off with but need to get on top of these things before I can start with others if that makes any sense.....

    Have a nice afternoon all,

    Back to work for me x
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi karen - stay chipper! Hope your house tidying goes well!

    My garden is gorgeous - I have large poppys flowering, red hot pokers, pink wiegela flowers, white flowers on a bush, forget me not blue flowers, 3 or 4 different types of clematis, petunias, yellow kerria and probably loads of others I have forgotten.... Beautiful!!!
    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
    Hi karen - stay chipper! Hope your house tidying goes well!

    My garden is gorgeous - I have large poppys flowering, red hot pokers, pink wiegela flowers, white flowers on a bush, forget me not blue flowers, 3 or 4 different types of clematis, petunias, yellow kerria and probably loads of others I have forgotten.... Beautiful!!!

    Your garden sounds magical.....very jealous :p
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    wow - SH ur garden sounds so lovely... been working hard to get my garden sorted and child #2 has shown a keen interest in gardening... mmm or is that just a way to get out of homework!
    x
    have a great day all - karen u r doing soo well! x
    Highest 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 #223
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Morning,

    Thanks mrscmr!

    Ok plan for today is.....
    • Work until 6pm (have lots on)
    • Eat sensibly all day
    • 30 mins exercise
    • No spend day
    • Daily scratch card
    That's about it for today, little task to keep me ticking along.

    We counted up and changed our loose change pot last night towards holiday, it had £70 in it :j

    Hope everyone had a lovely day :D

  • babyhead
    babyhead Posts: 731 Forumite
    Morning Karen!

    Congrats on the 70 quid loose change pot - that's brilliant. Why don't I have that much change?????

    You are doing well still. Keep it up!!
    DFW Nerd #1152
  • Karen_30
    Karen_30 Posts: 823 Forumite
    :mad:.....i've fallen at the first hurdle and have ate nothing but rubbish....oh well, just need to be better. Think I am going to have to go cold turkey and not have any of the good stuff in - if its not there then I don't miss it or want it. I have no will power :o

    Only another 3hrs of work to go and then free until 9am monday morning - woo hoo :j
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Is this day ever going to end :mad: Feels like I have been working forever! Less than hour to go but blimey it's the longest hour ever!!!

    Tonight is a evening of vegging on couch and doing nothing apart from probably eat more rubbish....something I am good at these days :rolleyes: x
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Karen well done for getting thro it!

    Babyhead I am with you on the change pot - in my piggy banks I would be lucky to have £5!!!
    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
    Evening all,

    I feel stuffed and suitably wiped out this week...don't know why :confused: Still a lovely weekend of nothing planned and no need to do anything :j

    Am not setting myself any tasks this weekend, just spending some quality time with my lovely boyfriend :love:

    Hope everyone has a lovely weekend,

    Karen xx
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