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Milanns mutterings on this last milestone.

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Comments

  • beanielou
    beanielou Posts: 96,579 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Never mind~they were nice ramblings :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    no worries Milann - ouch to the car bill - mine yesterday was £182 going to do my best to reclaim it from somewhere - anywhere - LOL
    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
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Good luck with the dietician and ouch to the car bill!!!
  • Claw_back_money
    Claw_back_money Posts: 848 Forumite
    Debt-free and Proud!
    Hope the dietrician has a cunning plan - that works!

    Cbm
    Jan 08: Debt £15,211 :eek: Debt cleared April 30th 2010 :D
    Proud to have dealt with my debt! Currently building up savings.:T
    With enormous thanks to everyone on the forums and:money:
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Dietician was very nice - said I was doing everything right with diet - gave me soluble fibre powder to mix in with food/drink 4 spoonfuls a day - mixed some in with my risotto for tea and never knew it was there :D. She suggested I try to eat tinned pears :confused: a couple of time a week and try and to add pulses to a meal a week. Suggested keep an eye on amount of raw fibre as too much can be too hard for the body to digest - got to go back in a month, but basically the problem isn't because of my diet - so it was comforting in that I'm doing things right - not comforting in I still don't know WHAT the cause of the problem is.

    Had to go on bus to hospital as my car was getting its exhaust sorted - it piddled down - I was like a little drownded rat by the time I came home. Made me appreciate my little motor :j.

    Checked bank balances today - I will have to be very careful to keep on track this month. Dinners at work have been a real problem I haven't taken lunch for ages MUST DO BETTER - off to check the demotivator to give myself kick up backside.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    the demotivator is a great tool isn't it - I was shocked at how much we spent on soft drinks! never mind the rest!
    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
  • Claw_back_money
    Claw_back_money Posts: 848 Forumite
    Debt-free and Proud!
    Lunches for me too. I was in a job with a lot of travel and didn't take lunch 'to force me to walk to the coffee shop' And it was a slippery slope, at first I took fruit and just bought a salad or sandwich, by the end I was getting the lot! The demotivator soon put an end to that though - and I haven't looked back.... :rotfl:

    Cbm
    Jan 08: Debt £15,211 :eek: Debt cleared April 30th 2010 :D
    Proud to have dealt with my debt! Currently building up savings.:T
    With enormous thanks to everyone on the forums and:money:
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I'm the same with lunch...always have intentions of taking one and then don't and spend money instead.I must work harder on it.
    Glad your diet is ok and hope that you find what the problem is.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm lucky I can offset lunch against my tax as a contractor so it actually pays me to spend something. I average about £1.40 and can claim £8 against tax so still quids in!
    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
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I was a good girl today - I took my lunch to work :A - didn't go out but that meant I had to go to a meeting - I was there in body but have to admit I was switched off.

    Called in Morrisons on way home to buy full fat milk for a friend who won't have anything else in her tea - she called for a brew tonight - bought bread and bananas but not spent anything else - would have managed a nsd of friend hadn't called but it was good to see her. Small price to pay for a good friend :beer:
    Hope you lot have had lots of wins on the bingo boards ;)

    Milann
    January spends - £587.58
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