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Onwards and upwards
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Glad to hear that your DS isnt suffering to much with the dreaded swine flu. hope everyone else stays healthy too
Lula
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Another week already?!? Didn’t realise that it was this long since I updated. DS is now fighting fit and I’m sure he could have gone back to school on Thursday but nope he was quarantined until Sunday! Having driven me up the wall since I am admittedly glad he’s gone back today.
DH has just rung to tell me that the Director is talking about paycuts of 15% across the company, so if that happens we are going to be £300 a month worse off and seriously need to rethink things through if it happens…got everything crossed that it doesn’t.
I failed miserably with the NSD’s last week :mad: but more determined this week.
On to today, my plan is as follows:- Finish washing - One load left
- Wash up - Done
- Wrap presents and place under tree - DH done, just kids to do
- Walk to school and pre-school - Done
- Clean bathroom
- Clean glass
Have a good day everyone.0 -
ouch to potential paycut
glad ds is getting better
Hope you are doing okay in yourselfAchieve 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 16/1/260 -
Morning Diarists, Lurkers and Posters. It’s very cold here today and is predicted to not get about the minuses until at least lunchtime; both kids will be going to their respective places dressed as Eskimos today :snow_grin
DD has her first nativity play today at pre-school, the kids are doing it in the morning for the old folks across the road and then for the parents in the afternoon, much running about there as I pick DD up at lunchtime, bring her home and feed her and then take her back for 2pm for the play. Luckily a friend of mine is picking up DS from school and taking him back to her house with her DD so they can play.
I think that I might have over done it with the food shopping; I used all the stamps up bar £16 as I bought the rest of the Christmas shopping and the monthly shop as well. As a consequence both freezers are full and we have enough food to last us until at least the end of February.
Preparations are now in hand for Christmas 2010 with Tesco points already touching £20 worth.
Today I need to make up my friends candle basket present so that I can wrap it and give it to them tomorrow.
£6 of £2 coins went into my pot yesterday, I am hoping that I can build them up a little bit before DH gets paid in January. I am aiming to put them towards the cc bill.
Off to get motivated, have a good day everyone.0 -
Hi Tea - how are you doing - hope you are having a good xmas holiday. Happy new year!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 16/1/260 -
Happy New Year xxx0
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Just popping by to see if you're ok?0
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Tea please post and let us know you are okayAchieve 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 16/1/260 -
Guys,
just to let you know that Tea has a new diary called 'Onwards & Upwards - Part 2' or similar, too dumb to post a link but she's about & updating regulalry
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Thanks for letting us know.0
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