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A trilogy in seven parts.....hypno's latest efforts
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well done hypno on stretching that £20! I should follow your example....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
A bit of focus SH - works wonders :TSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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How on earth am I going to get through today? I was so tired yesterday, then awake from 4 because of the storm......so the bags under my eyes are growing by the second! Can I not have a duvet day......purleeeese
Humdinger of a storm wasn't it? I had also been awoken earlier having had a dream that I'd been kidnapped :eek::eek:
If only an early night was on the cards but fingers crossed for a lie in tomorrow!
Ummmmm...
So us Londoners missed out on the storm and had to resort to suffering in the heat and humidity... Stupid underground ACTUALLY BEING 45 DEGREES!!! :mad::beer: Debt Free since July 2011 and it feels good! :beer:
Now it's all about finding a deposit for a house!
How do you amass £70k in a year?! :eek:0 -
The storm made no difference walshy - it was even hotter and more humid here yesterday than it was prior to the storm :rolleyes:
Ah, the joys of the British weather :rolleyes:Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Ok, so scratchcards done - 10p again
Banking done - I'm skint :rotfl:
Actually I am a bit more skint than I thought - this month is very tight as OH didn't earn as much in his second job as usual in June, and what he DID earn paid for his bike insurance and repairs etc, so nothing to carry forward into July.....
So, we are going to have to be really really careful - it is possible, but it will be hard......we don't get paid for the students until the end of their time here, so that is not for another couple of weeks, and by the time that clears, it will be after all the bills have been (hopefully) paid!
I am still expecting in a dooyoo cheque, for £50, which I requested a couple of weeks ago so hopefully won't take too much longer.....that will certainly help...
And if the worst comes to the worst I will "borrow" from the china fund and work harder over the summer to replace it.
I am off to see Take That today, so will try really hard to spend as little as possible - the travel inn room and parking are already paid for, so it is just food and drink that we need.....I have received the money for my spare ticket from paypal so have withdrawn that as cash and the aim is that that is all I have for the day so we will have to make do......focus, focus, focus!!!
Then ski race tomorrow - I am being an official so I can get free lunch, and DD is being a forerunner (like a pace-setter), rather than a racer, so again she gets free lunch, and it saves me her race fee.....we really are trying here :rotfl:
Oh, and my £20 is on day 9......:T
Hope you all have a good day!!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Mornin
Have a FAB time at Take That . There's a MacDonalds right opposite the Travel Inn if I remember correctly for cheap brekkie as well as a couple of greasy spoons and a big ASDA just up the road. Don't forget to pack a jar a coffeeI Would Rather Climb A Mountain Than Crawl Into A Hole
MSE Florida wedding .....no problem0 -
We are staying in the travel inn in Braintree - half way between today's concert and tomorrow's ski race, but I will certainly be looking for the "cheaper" food options! I have packed some stuff up, but with the heat etc, I can quite anticipate things being either inedible or unappetising by the time we need them......so spending on some food will be a necessity. Macdonalds will do nicely......
I have a flask ready to make coffee before we set off....and will take my jar of coffee with me ready to refill the flask tomorrow from the travel inn.Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Have a great time tonight, I will wave at you across the crowd hehe!0
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You enjoy it too Wendz! I am certainly looking forward to it :j It is amazing what a bit of mystery shopping money can pay for, so all guilt-free too :TSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Morning Hypno - have a lovely weekend! - Enjoy & have fun!:j4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!0
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