We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Marathons, Money and Motivation

1…1112141617…116

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    perhaps prepare something to say how good you are with evidence to take in
    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
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Morning chick how the devil are you, seems ages since we last caught up.
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    i know, im so pants during the week.literally all my communication happens on a friday afternoon and a saturday.

    Apologies all round.
    Ive been paid and have been really naughty as i havent checked my bank accounts for ages!!!!
    God that really is awful... im running out of hours in the day!

    Am sorta feeling a bit itchy for a holiday......dh and i have seen something.....
    Wealth is not measured by currency
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Evening chick finally I catch you online lol

    What you seen? A holiday may be just what you need if its too extravagent of course lol
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    toronto..... spa break for 4 days.... really dont have the spare cash though...
    Wealth is not measured by currency
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    ooooo sounds good though :D
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    £800 though/........dont really have that to spare
    Wealth is not measured by currency
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Maybe something for next year :confused:
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yeah but this year just sounds so much more appealing LOL xx
    Wealth is not measured by currency
  • lynzpower
    lynzpower Posts: 25,311 Forumite
    10,000 Posts Combo Breaker
    CAFCGirl wrote: »
    £800 though/........dont really have that to spare
    Honey dont do it.

    PLease . Think about how mcuh effor it will take to re-earn that money by cutting back. Imagine how much relief it would give you to pay 800 off a debt?

    Do you not have a hoilday budget? We put 50 per month in ours each. As you know we have fantastic holidays :) it doesnt mean any hardship afterwards either.

    So I would say start a savings acc with 200 and pay the other 600 off a debt, then start the savings plan. Within a couple of months you wil have the cash- and something to look forward to. It will be much better if you have budgeted for it. And plus it gives you longer to find best deals/ prices/ buy currency etc as it fluctuates.

    Hopefully not too boring a suggestion, even if you dont go its really useful to have holiday budgetWe toook dog camping and cost about 40 quid- its noce to not have to worry about doing things if the moneys there IYSWIM. . Wee are thinking of using ours for one of the P&O ferry days to eurodisney its only 35 quid inc one eurodisney trips in Martins newsletter. . Whether we do or not, it doesnt matter, its really good to have the cash sat aside so you can grab that good deal when you see it witohut having to get into debt for it :D

    Did that make sense :D
    :beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
    Theres no dollar sign on piece of mind
    This Ive come to know...
    So if you agree have a drink with me, raise your glasses for a toast :beer:
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture