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  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    your mum sounds generous - glad that has taken some pressure off you

    really good news re OH's eye - hope he gets signed off as fit to fly again
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Lula-Hula
    Lula-Hula Posts: 7,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Tea,

    great to hear from you & sorry to hear that things got too much to cope with for while there. Life can be overwhelming at times so dont beat yourself up, do what you can & dont worry about what you cant.

    Focus on enjoying time with your family over christmas, we all want to be debt free but you have to enjoy life along the way otherwise what's the point :rolleyes:.

    Glad to hear that your OH has been discharged & also that DD is fully trained :D.

    Take care of yourself & never forget your fabulousness :A

    lula
    xx
  • It’s Friday…yippeeeee :beer:

    I am supposed to be meeting up with a few old colleagues this evening but have woken up with a fuzzy head and bunged up nose and scratchy throat. I think that it’s just a cold, I hope that it’s just a cold as swine flu is still doing the rounds at DS’s school, so this evening may be off the cards.

    I need to get back into the swing of things again with regards to surveys etc so my first task in the New Year is to do at least 5 a day.

    DS’s school has their Christmas Fair after school today and as DS has been really good this week I have told him he can have some pennies to spend on anything he wants as can DD.

    I need to do a mini-shop today and am using some of the Christmas vouchers my mum sent down. This will tide us over until DH gets paid on the 15th and then the rest of the vouchers and savings stamps can be used for Christmas shopping and other various bits to last us until at least February’s payday :rolleyes:.

    I have entered the Sealed Pot Challenge again for the third time with the aim once again to have enough saved that Christmas 2010 will be less stressful than this years.

    Off to get motivated, have a good day everyone.
  • Jo_R_2
    Jo_R_2 Posts: 2,660 Forumite
    You sound v. positive Tea. Just take it easy a bit at a time :)
    Dealing with my debts!
    Currently overpaying Virgin cc -
    balance Jan 2010 @ 1985.65
    Now @ 703.63
  • Just a quick update, have been to Tesco's and got the shopping and a few bits for the kids for Christmas at the same time.

    Total money used: £3.34, total vouchers used: £72.00

    Total Christmas vouchers and stamps remaining: £375.00 :D
  • Jo_R wrote: »
    You sound v. positive Tea. Just take it easy a bit at a time :)

    Thanks Jo, I think that was part of the problem and as such everything went to pot.
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi tea - none of us are superhuman - we can't be up every day. I admire you and think you are doing really well
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Those plans sound perfectly good to me.Take it easy x
  • It’s Monday and the start of another week and also a little step closer to Christmas :snow_grin

    Our weekend was fairly uneventful and although money did get spent, not too much did so a result.

    I’ve got various things going on this week so enough to keep me busy and I am aiming to have at least three NSD’s this week with as many low spend days as possible.

    I have had to pay DS’s swimming contribution so £10 will be coming out of the account in due course.

    I have gone through all the kids clothes and photographed them, so my main aim this week is to upload them on to e-bay and hopefully generate a bit of much needed money.

    Plan for today:
    • Boots for DH’s NicAssist gum
    • Morrisons for milk
    • Upload photographs from camera
    • Try and list at least 5 items on e-bay
    • Wash up
    • Clean bathroom
    That should keep me going for a bit.

    Have a good day everyone and I’ll update later.
  • Didn’t get to update yesterday as DS was poorly, I say was because today you’d think that nothing was wrong with him. The bad news is that he can’t go to school until Monday as he was diagnosed with swine flu yesterday and is now on Tamiflu. Still at least he’s getting it out of his system now and although he’s going to miss the school play he’s not going to be ill over Christmas.

    Yesterday I ended up spending money but today will be a NSD as I don’t need to buy anything.

    I need to go to the bank this morning as I need to put in £12 of change that’s been hanging about. I will be so pleased when DH gets paid next week; I can start afresh with the NSD’s and budgeting again :)

    Got a few bits to get done today housework wise and I need to track down some thread for my overlocker.

    I uploaded a lot of the kids clothes on e-bay yesterday so fingers crossed they’ll sell.

    Off to get motivated. Have a good day everyone.
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