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New beginnings.....

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Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    Thanks for the birthday wishes :A

    Have had me the most relaxing birthday ever, it's lovely to have to do nothing ;) OH is coming round in a moment, more bday surprises. It'll be nice for us both to spend some time together at our place :D

    So turning 31 :eek: Some of you might laugh at my dispair but I can't help it. After all that has been happening I feel as though I need to start making things happen no matter the outcome of things with me and OH.

    Done my daily scratchies, keep forgetting about them :o Now need to get back on track with paper work, payments etc and see if I can't shift this bliming debt but have me a life at the same time....anyone know how we do such a thing:confused:

    Right enough talking here, i'm off to enjoy my birthday some more :j

    Take care all,

    Karen xxx

    P.S - might have a look about on everyones diaries first before leaving ;)
  • Primula
    Primula Posts: 953 Forumite
    Happy birthday to you,
    Happy birthday to you,
    Happy birthday dear Karen
    Happy birthday to you!!
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Glad yoiu enjoyed your birthday :D Don't worry about being 31, it's just a number (I am 43 tomorrow :eek:)
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    glad you are having a lovely day
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Back to reality after such a lovely birthday.

    So far today -

    3 loads of washing done - on airers drying.
    Daily scratchies
    Online banking check

    To do -

    Finish work (going to work late today)
    Visit friend this evening

    Nothing really exciting, pretty dull really. Had me some lovely presents yesterday, money, perfume, dvds, smellies, books.....lots of lovely treats. OH and I had nice takeaway, dvd and then he brought me a birthday cake and candles etc too - very sweet of him.

    I have put myself down for overtime Friday evening and possible Saturday (if chosen as target work) - need to start bringing those pennies in and get me a plan of action sorted.

    Hope everyone has a lovely day xx
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Hi Karen

    Glad you enjoyed your birthday - and things are sounding very positive with OH :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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Just done a quick total debt update and it's now £47,688.82 :j It's going down each month and hopefully will continue to do so.

    Not been on much as had so much going on, hope to log on over the weekend and catch up on everyone's diaries.

    Take care xxx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Karen your debt is really coming down nicely now! Well done you!

    Have a great weekend!
    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
    Well done on the debt reduction :j I am just leaving mine reducing each month - it's good to see it go down :D

    Hope everything else is going well? :A
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Shoe_Gal wrote: »
    Well done on the debt reduction :j I am just leaving mine reducing each month - it's good to see it go down :D

    Hope everything else is going well? :A

    Everythings seems to be going really well at the moment thank you :D
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