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New beginnings.....

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Comments

  • jo1972
    jo1972 Posts: 8,901 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Karen,

    Just wanted to wish you luck with your new diary.

    Your loft sorting sounds amazing, I spent the afternoon clearing out stuff myself and found loads of pics from when my DD1 was a baby (she's 17 now :eek:), OH can't believe that he used to have hair :rolleyes: it must be amazing finding loads of treasures from when you were growing up, I am very jealous, I hope you find lots of stuff to warm your heart :)

    xx
    DFW Nerd no. 496 - Proud to be dealing with my debts!!
  • EssexHebridean
    EssexHebridean Posts: 24,634 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Karen - nice diary! :D I had a good old rake through mum & dad's loft last year and found stuff I'd long since forgotten that I had! Really ought to get back up there at some stage mind you as some of the stuff I found, I left there, and have now forgotten again!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • maggiem
    maggiem Posts: 1,964 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good luck with new diary Karen - always read your last one even if I didn't post. You sound very organised and the working from home sounds great. I can do that sometimes but not always disciplined enough (big temptation to read mse etc!)

    I hope you and Oh continue to work things through!

    Maggie
  • thecatswhiskers
    thecatswhiskers Posts: 34 Forumite
    Shoe_Gal wrote: »
    Just wanted to say that I love your signature :D

    Thank you :)
    ''Who among us hasn't envied a cats ability to ignore the cares of daily life and to relax completely?''
    ''There is, incidentally, no way of talking about cats that allows us to come off as a sane person''
    ''Beware of people who dislike cats''
    ''There are few things in life more heartwarming than to be welcomed by a cat''
  • thecatswhiskers
    thecatswhiskers Posts: 34 Forumite
    Hi Karen - Well done on the overtime. Hope you enjoyed your Italian? My favourite Yum Yum. Points loaded on Weight Watchers though. :(
    Hope you also found lots of treasures in the loft. I will get in my mum's- one day. :rolleyes:


    thecatswhiskers xx
    ''Who among us hasn't envied a cats ability to ignore the cares of daily life and to relax completely?''
    ''There is, incidentally, no way of talking about cats that allows us to come off as a sane person''
    ''Beware of people who dislike cats''
    ''There are few things in life more heartwarming than to be welcomed by a cat''
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hey guys,

    Thanks for all your lovely posts, sorry not been on for a while. Things been a tad hectic of late.

    Nothing exciting to report, just been looking after poorly !!!!! cat after his neutering which then he had a bit of a reaction too and not been himself since. Hoping he has picked up today.

    MaggieM - hello and welcome, thanks for posting and your kind thoughts re me and OH. I hope we get there too, things seem to be heading in the right direction.

    SG - hope you are doing ok will pop over to your diary to say hi very soon :D

    TCW - italian was LOVELY and it was great to catch up with friends and get out of the flat. It's a big old flat with just me in a the mo....hopefully all being well it won't be for long ;)

    Jo1972 - thanks for popping by. Loft experience wasn't as exciting as I thought, didn't get what I needed but hey ho - will have another go when I have more time to look properly.

    Must get on and do some work, nearly the weekend. Overtime again Saturday and then Saturday night it off to my home town of Southampton for a night out with the girls for my birthday :j can't beleive I am to be 31 so soon.....30th didn't seem all that long ago :rolleyes: xxxxx
  • claire0788
    claire0788 Posts: 983 Forumite
    Part of the Furniture Combo Breaker
    Birthday presents soon Karen ! Fun stuff :)

    Good work on the overtime again.
  • Karen_30
    Karen_30 Posts: 823 Forumite
    claire0788 wrote: »
    Birthday presents soon Karen ! Fun stuff :)

    Good work on the overtime again.

    Yes, really looking forward to a girly night out on Saturday. Should be 7/8 of us out for nice meal and drinks :D

    Overtime Saturday again before going out so all heading in right direction....slowly :rolleyes: x
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday for a few days time then!

    Good news re overtime.

    Glad you are getting out socialising and getting more of a life back
    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
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Happy Birthday Karen :j I am out for dinner tomorrow with friends for mine, which is on Wednesday :D

    Enjoy your weekend :D
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
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