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

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    evening how are you, little one and doggie?
    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
    We're all fine thanks SH, hows you and yours?
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We're okay - except for OH still being chewed out for leaving DD at afterschool club! Had to get a friend to collect her 40-50 mins late!!! I am currently awaiting tea from OH who knows he is well and truly inthe dog house. I broke all speed limits to get home but would still have been an hour late!!!

    I was at a 2hr45min interview, test, presentation thing! 40 odd miles away. He tried to say I hadn't told him to which the kids told him how many times I had told him! I screamed and swore in the car - not realising I had forgotten to disconnect! Apparently I practically blew out his eardrum - shame ! not!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    CAFCGirl wrote: »
    Goooooooooooooooooood evening....

    Just think if those payments had all gone against my debts, I'd be debt free plus have a nnice little nest egg!!! LOL

    CMD How did you get on at docs today? xx

    Hi CAFC,

    Thanks for asking. The doctor thinks I have a UTI but just at the beginning stages. She was lovely and reassured me what happened to my cousin was rare. She said the pains were the UTI and also the muscles stretching.

    Yeah, that would be a nice amount of money for a nest egg, would love it :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got some reassurance CMD!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Thanks SavingH!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    so glad everything went okay for you at the docs CMD. hope she put your mind to rest (for all of 5mins anyway)

    CAFC - hope your soul searching goes okay for you. anything we can help with?? a sounding board? someone to shout at and/or cry with?

    savingH - grrr to forgetful OH

    hi to everyone else

    i'm feeling quite sick tonight. i find out about the interview i went to on friday
    tomorrow. they said i'd know by tuesday and tomorrow being tuesday i'm guessing they are going to ring me. i'm really dreading it. i'll be gutted if i don't get it and i dont think it's looking promising. i need a better paid job if we're ever going to pay off our debts and get our own house.

    keep your fingers crossed for me please
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    starnac wrote: »
    so glad everything went okay for you at the docs CMD. hope she put your mind to rest (for all of 5mins anyway)

    CAFC - hope your soul searching goes okay for you. anything we can help with?? a sounding board? someone to shout at and/or cry with?

    savingH - grrr to forgetful OH

    hi to everyone else

    i'm feeling quite sick tonight. i find out about the interview i went to on friday
    tomorrow. they said i'd know by tuesday and tomorrow being tuesday i'm guessing they are going to ring me. i'm really dreading it. i'll be gutted if i don't get it and i dont think it's looking promising. i need a better paid job if we're ever going to pay off our debts and get our own house.

    keep your fingers crossed for me please

    My fingers are firmly crossed for you Starnac. Really hope you get the job :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    thanks CMD. how are you feeling today. do you feel better after seeing the dr?
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    well i didn't get the promotion at work. however they were very impressed and said i scored exceptionally well. one of the directors now wants to meet with me to discuss my future as they were so impressed (not impressed enough to give me the job though). i'm actually not as gutted as i thought i would be as i did have a bit of good news as well.

    hope you all have a good day
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
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