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library just waiting for me to visit it ...i am avoiding it ...the thought of pages stuck together with snot or a dropped in the bath book sends shivers down my spine ...but i know i have to and i am not buying any more books until i get rid of two i am sticking to that law (for the forseeable anyway) when i start uni back i think i will get a book list so will then have to avail myself of the snot covered books (you know they probably aint like that anymore i just remember when i was young getting a few books like that think it scarred me for life ...never mind the book that had 50 odd pages missing arrgggghhh) i am going to conquer the phobia and to accept dog eared books it will happen ...but for now i am going to remain in denial for another couple of weeks lol ...you have my full permission however to remind me in about 3 weeks time...and provide kicks up the butt as necessary0
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awww bless - speaking of which I dropped one of said library books in the mud the other day and thought "oh well at least it's not mine" ROFLAchieve 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 -
thats the stuff of my nightmares ...shivers were running down my spine reading that ...:rotfl::rotfl::rotfl::rotfl: please dont tell me you dog ear them:eek: i couldnt handle the stress :rotfl::rotfl::rotfl::rotfl:0
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thats the stuff of my nightmares ...shivers were running down my spine reading that ...:rotfl::rotfl::rotfl::rotfl: :rotfl::rotfl::rotfl:
I am generally very careful with books - esp my own but that day I had a 5, 6 and a 2 year old with me out at a special resort - of which only th 6 year old was mine and the book felt out of the pram I was using... not my fault really:rotfl:
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 -
oh well i will forgive you ...only as long as it's a book i hate ...i think you shouldve dropped one of the kids though ...make sure you do next time :rotfl::rotfl::rotfl::rotfl:0
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...i think you shouldve dropped one of the kids though ...make sure you do next time :rotfl::rotfl::rotfl::rotfl:
I borrowed the 2 year old for his cheeky grin, so loving! I felt in the mood for his mischievous little face and cute cuddles... Don't want another one of my own tho! I suppose he does look quite similar to what my DS did 9 :eek:years ago!!!:eek::rotfl: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 -
ahhhh bless ...i know the feeling when you dont want anymore ...yikes ...mine is 18 now the thought of another one terrifies me ...0
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I've just caught up with the last couple of days' worth of diary......and all I have to say is:
:T:T:T:T: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 -
have to say it does feel like that hypno ...nice wee change lol ...
right have done scratchies today got a whole 20p somebody loves me .... and did two of the quidco clicks so far another two to do ..havnt checked banks yet but will do shortly ...had hmrc on the phone at 8.45 am i said to the poor bloke its 8.45am what are you doing phoning me at this time ...he said it's hmrc you rang lol ...so got a bit of info there ...i dont really have to decide anything just now as it will only affect my end of tax year whatever it's called ...but i am a bit clearer on the process (whatever its called sure makes me look like i am) have a friend coming for a massage after lunch ...she massages me i massage her but did suggest to her previously that we both put money together to help pay for our oils etc ...she was all for this so today i will start a wee collection tin for replacing all the oils etc ....
nothing much else to report am gonna go away and do a mooch before checking the banking0 -
ok i keep forgetting to mention i am doing pad ...i dont know why i keep forgetting to mention it but i do ...anyhoo pad done and i checked the other bank account ther money finally made it there so have transferred it over to the other account i have enough for another square ...just scrapped by but i did it and i am pleased ...it really seems to be helping me this square colouring in ...in each square i have the figure £50 in big writting and underneath in smaller writtign i have what it is i am paying off ...so for instance a few squares have visa written on them a few have motherinlaw written on them and a few have overdraft ....i am still concentrating on the over draft but i have to keep making payments to the others as well ...so yay another square ...it feels good ..0
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