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My Ongoing Challenge - To live with my means
Comments
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I hate that spinning head feeling in a new job - glad it is improving for you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
savingholmes wrote: »If you are interested - I will pm you a list of things I've done recently on my favourite cashback site to make money.... - I await your instruction!:rotfl:
yes please......especially as i've not got over to the up your income thread yet....too many diaries, too little time
& meal planning was major distraction - laptop still dead, so can't look at our favourite meals list for inspiration!!!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
I will dig out my list tomorrow.
Do you do bingoport yet - I have had well over £150 from them since last December..... I would (strangely) be more than happy to refer you (or she says dutifully) or you could go direct but then I would miss out on 3000 points LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
I've heard about bingoport on here but know nothing more.......I'll do whatever I need to to get you more points!I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0
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SH - can you ping me too!!!!** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
With pleasure!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
L - what's going on? How's your challenge going?** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010 = £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0
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bleuugghhhhhh
have failed again on the vending machine - gave in on Monday, bad bad bad. Chocolate was NEEDED, should have put milky way in bag but forgot it
Won't make that mistake again
Cash flow is kind of stuck - I have weekly allowance of £20 (withdraw on a Saturday) & I have about £1.67 of it left - oops, I could take my cash early but that just causes more issues down the line.
SHouldnt need anything more though until then - am getting lift home with neighbour tomorrow to avoid bus fare
proper update at weekend methink once brain has calmed down
ttfnI do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0 -
Hi lurker... where did all the dosh go - come on fess up....
Mine went on bargains..... LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/260 -
savingholmes wrote: »Hi lurker... where did all the dosh go - come on fess up....
Mine went on bargains..... LOL
on ESSENTIALS of course!!!!:rotfl:
thing to stick on wall to hold hairdryer & straighteners £10, wild bird food £4.98, car parking £1.50, emergency chocolate supplies (2) £1.30....
the happy feeling from NOT using your mastercard....priceless!!!;)I do not make mistakes, I learn lessons.I work to live, not live to work.I love to live & live to love.Good enough is exactly that.0
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