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Milanns mutterings on this last milestone.
Comments
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Glad you enjoy your job!
Have fun too with MIL:eek::rotfl: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 10/10/250 -
What a great idea - cinema voucher + popcorn. It would probably make a DVD look a bit more interesting too wouldn't it, and I've got one of those put by for a Christmas present.
I hope your visit went smoothly!
Cheers
CbmJan 08: Debt £15,211 :eek: Debt cleared April 30th 2010
Proud to have dealt with my debt! Currently building up savings.:TWith enormous thanks to everyone on the forums and:money:0 -
MIL's visit went well - usually does now really - but it has taken 31 years to get to this stage. I still feel as if every area of the house, food, me and kids (even though now grown) are being scrutinised in every way for discussion with SIL at later date!! But maybe that's just a hang up on my part from earlier days when they were :eek: - how can a 'sweet' (on the surface anyway) , little 88 year old lady make me feel this way in my own home
Off in search of popcorn today - I was quite pleased with the idea as it is only a £5 voucher and these children get everything they want anyway - but I'd like to get them a little present - something that will not end up in charity shop cos it's not to their taste but not break my bank either.
Going to friends from work with some others for lunch and natter. Sun is shining and I can't believe how fast this week is going.
Have a good Thursday everyone
MilannJanuary spends - £587.580 -
Have a lovely day xx0
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Hope you have a nice lunch out. Glad MIL's visit went wellAchieve 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 10/10/250 -
Had a nsd today - not done too good with those recently. Will start another spending diary from Sunday for November. Hopefully keep a careful watch on my pre-Christmas spends as this time of year is my downfall. I know it comes around every year but I'm never as prepared as I want to be :rolleyes: Must do better next year!!!!!
For Christmas I have got some Morrison's saving stamps and a few presents but still got a way to go. I'd hoped to crack it this half term but didn't get that far - too busy socialising - but cheap socialising so not too bad I suppose
Feel much more in control as I head into November though - put some cash aside for dd's birthday and house warming pressie. Got DH's birthday cash aside for next week. Set up saving accounts and everything chugging along on the debt repayments - not as quickly as I'd like but chugging in the right direction. These birthdays have previously just been added to cc - now if I do use my cc - I pay it off straight away (have transfered old balance to different card at 0% and this WILL be paid before the rate goes up - don't even take the card out with me!!!!) - so things going to plan :j
MilannJanuary spends - £587.580 -
It's a great feeling when the plan works,isn't it?0
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Glad things are going betterAchieve 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 10/10/250 -
Had a lovely day today - dh was off work and we went for a long walk in Tatton Park - lovely autumnal colours everywhere and reasonably warm. Bought a coffee out which was a nice treat.
Went for a meal to a lady from works house with a few friends - lovely home made Greek food - so a good day all round again!!January spends - £587.580 -
I love going out on autumn days too. Aren't the colours lovely (when there's enough light to enjoy them).
Good luck with the NSD in November, I must get back into those too.
Cheers
CbmJan 08: Debt £15,211 :eek: Debt cleared April 30th 2010
Proud to have dealt with my debt! Currently building up savings.:TWith enormous thanks to everyone on the forums and:money:0
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