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The 15k Paper Hat - It could be YOU!!!!!

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I'm just feeling that the way I'm trying to go is not sustainable for the next 2 years and as much as I'd like to get the debt paid sooner rather than later, I'm in my early thirties and need to have a life and enjoy myself, otherwise there's not much point is there? I'll still need to have a look how to make best out of the situation.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Evening Ladies

    CMD -enjoy going back home, hope you family are well and make sure you are thoroughly spoilt.

    Trill - what sort of work are you in? Are there any opportunities for you where you work, promotions etc?
    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
    Hola!!!!

    Soon be on a plane to NYC, Ive finally allowed myself to get excited as well!

    WOOHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
    Wealth is not measured by currency
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    evening all. how are we all this evening??

    i'm off to work in an hour and am leaving the laptop at home tonight as i got that application form for the promotion at work so want to concentrate on that without getting disracted by the internet. want it finished and posted by friday
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Morning all!

    How's everyone on this very fine day? Cold and sunny and lovely!

    I'm having a half a day today, finally going shopping for some desperately needed items like new works shoes (old ones literally falling apart), maybe some underwear and a new top. The new John Lewis is opening today in Cardiff, but hate crowds so unlikely to go in today.

    Doodle - I work for the council doing office work. I did textile design in uni, but never got into it. Have worked as an assistant restaurant manager (would never go back in that line of work) and with horses. Not much experience of anything else. I think really my only choice is re-education, but that costs and I don't have money for it, for obvious reasons...:o

    Going to Exeter this weekend to meet up with my uni friends, haven't seen them for about a year. Looking forward to it.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • Hi all,

    Got some very sad news this morning. My cousin went into labour last night and her little boy died. She was only 22 weeks (3 weeks ahead of me). I was meant to be meeting her this weekend to compare bumps but that obviously isn't going to happen now.

    Please say a prayer for her if you get a chance.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I'm so sorry to hear that. Must be devastating. (((hugs))) for both you and your cousin.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • Thanks Tirlittan,

    It is terrible, especially as I arrived in Ireland last night and was meant to meet up with her.

    We are still waiting to hear what has happened. I just feel so upset for her, as the bond you build with the baby is so strong when you see them on the scan and feel them kicking.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I think that must be the hardest thing to go though...So sad and nothing you can do about it.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi CMD sorry to hear about your cousin - hope the rest of your trip home goes well

    CAFCgirl - have a great time in New York

    Hi to everyone else... I've been off moping but trying to cheer up again now! Did get a pension refund thro that I have been owed for about 2-3 years £129 now in my bank insteadof theirs which was good...

    Also sorted loads for xmas.... LOL
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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