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oi what you doing here

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year el
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Happy New Year El x
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Happy New Year El - here's hoping 2010 is a good year for you :D
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • GunJack
    GunJack Posts: 11,840 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ey up El :wave:

    HAPPY NEW YEAR :D:D:D:D:D:D:D:D:D:D:D
    ......Gettin' There, Wherever There is......

    I have a dodgy "i" key, so ignore spelling errors due to "i" issues, ...I blame Apple :D
  • boredofbeingathome
    boredofbeingathome Posts: 15,657 Forumite
    Happy New Year EL. Have you recovered yet? xx
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • jamiesilversky
    jamiesilversky Posts: 2 Newbie
    hi all el here under a different name (cause i dont want to change to mine in case i leave the pass word here ) my laptop is still not working so i havnt been around sorry ...i have been working silly hours but also been to a party or two (as you do this time of year) ...

    happy new year to you all two i hope you have all your dreams realised and your debt diminish..

    i havnt been up to anything really (apart from work) i have a paper to write for uni so i had better start to study for that


    catch you all soon (if the laptop gets fixed) as el (i hope)
  • jamiesilversky
    jamiesilversky Posts: 2 Newbie
    hypno06 wrote: »
    Hi el, I guess you are working silly hours and then trying to grab some sleep when the rest of us are awake......

    Anyway, thank you for being my friend in 2009, and I hope that 2010 is a good one for you!



    thats a lovely thing to say hypno ...i feel the same about you ...your help has been very invaluable for me
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Happy New Year El!!
    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)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hi all,

    well i have braved the freezing that is the downstairs of my house for five mins to try and catch up ...this house is soooo freezing i have looked into insulation but we cant get any cause it is single brick and the down stairs was origonally meant to be a coal celler or something (ok a big coal celler) i am soo dreading the heating bill ...

    i counted oout my £2 coins the other day and i am going to attempt to go up the street and put them in the bank ...dont quite yet know how i will manage that ...the car seems to be out of bounds ..we nearly crashed it into our house the other week due to the snow and the fact our driveway is steep ...it is now sitting at the top of the driveway but it still cant get out of the snow ..

    so if i can i will walk it up and put the money into the bank...now here is the thing ...do i put it towards the debt towards the lawnmower towards a new laptop (i sooo miss having one of them) a pair of m.b.t trainers (no i havnt forgotten) or the thing i want most of all (next to being debt free with no mortgage ..infact i would say equally to) and will take alot of money my 40th birthday holiday ...i had always planned on keeping my £2 coins for this exact thing ...and truth to say i have no qualms about going on this holiday whilst i am in debt (as long as it isnt too much) ...it is going to cost a fortune ...so i should start saving now ...but should i do it after everthing else is paid off ...how many bank accounts can one person have? how many ideas for money can one person have? i need a good talking to i think lol ...please feel free to give me one to see if it works

    right am gonna disappear back up the stairs now that i cant feel my fingers and toes or my nose
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    What is it that you want to do for your 40th......and more importantly, when is it :confused:

    Stay warm xx
    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)
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