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Only Dull Girls Write Diaries...Myth Broken!
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Good luck hypno!
The thought of it is daunting but I keep telling myself that any in-road I make today will be better than things are now! I've done my letters anyway which always makes me feel a bit more in control. However there has just been a crash at the front door indicating Mr Postman. Will see what he's bringing to the mix today :rolleyes:
Kettle is boiling and daytime telly is just about to go off
Next: Folder and paperwork sorting. Then I'm tackling the bedroom, wardrobe and dreaded back room. Ebay pile will significantly increase soon!Pround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese
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some of those letters sound a bit worrying - sending you a virtual hug! Hope you manage to get on top of it again!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 10/10/250 -
That Calder Financial must have known I was about to fire a whopping letter to them as they have now sent a letter acknowledging that I have actually contacted them! They are all quaking in their boots I tell you! :rotfl:
My updated financial breakdown and offer of payment has now gone off to them (obviously politely stating too that a doorstep visit won't be necessary :rolleyes:)
Ebay money safely tucked in my account and I've made the round of monthly payments today so will be colouring squares accordingly :j
I do feel much more organised after yesterday's sorting out (as long as I don't peer into the back room, that didn't quite get sorted) I have to keep telling myself "Babysteps". I keep trying to do everything at once and then getting frustrated that I don't actually achieve what I set out to!
Think I might slink over to the FlyLady thread on here :cool:Pround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese0 -
Ooh forgot to say thanks for the virtual hug savingholmes, much appreciated! :APround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese0 -
Quite shockingly (for me) I have done a huge chunk of my Xmas shopping :T
All 5 kiddie winks of the family are now sorted, as is half of OH's, all coming in for under £25 - altogether that is, not each! :eek:
Just my Mum, OH couple of small bits and a couple of boxes of biccies/chocs to get (agreement between me and my brother and sister - only buy for the kids but I can stretch to biccies or chocs - as long as they are 3 for 2 / on offer etc!)
No doubt I'll be expected to do OH's shopping for him but I don't mind, always a pleasure to spend someone elses money, hee hee!
The most organised and under budget I've ever been :T but then I did used to have money back in the good 'ol days....:rotfl:Pround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese0 -
well done Rainy - sounds like you are really doing well on the xmas shopping frontAchieve 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 10/10/250 -
One week tomorrow til PAYDAY!
FINALLY had my de-registration for VAT come through yesterday, only took them 5 months (!) although they have lost my last 2 VAT returns
so that's a little job for me to do this evening. I wonder if they have lost them because it happens to be in a repayment state and they owe me money?! :rotfl:
IF that goes through that will be £116 straight to the debt pot :jPround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese0 -
£116 has got to help a little - acouple of squares maybe?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 10/10/250 -
savingholmes wrote: ȣ116 has got to help a little - acouple of squares maybe?
Oh yes, more beloved squares! :T I wonder if I'll still be as excited about them in a few years time? Actually, probably more so as I edge closer to my Debt Free Date!
Nothing to report banking/MSE wise, just another NSD on the cards hopefully and some more Ebaying to get done later!
Bit of Office Politics going on at work at the mo so I'm just keeping my head down and keeping well out of it! I've just had my performance review and the big boss lady is really happy with my progress and has suggested further training to progress me further and give me more responsibility :j
That must mean some kind of pay rise in the future:T:o Pround to be dealing with my debts! DFW Nerd # 1201
Coloured Squares 506/900 :eek:
The early bird catches the worm, but the second mouse gets the cheese0 -
sounds good - enjoy colouringAchieve 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 10/10/250
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