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New beginnings.....

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Comments

  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    You're doing better than me Karen, especially with the no chocolate! I've just eaten half a bag of macaroons! They were v tasty tho! Your aims are sensible, sure you will manage x
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Aims for Tuesday -
    • complete a full days work (done)
    • go to the gym (done)
    • daily scrath cards(done)
    • no spend day (need to have more of these :o) (nearly had to spend £1.05 on bottle of water for gym, old one dead)
    • put wash load on (done)
    • eat sensibly (no chocolate!) (done, not planning on leaving the flat now so can't get my hands on any chocolate!)
    Had a good day all round really, met most of my aims apart from the no spending!

    That's about it from me, tad emotional today - just having a moment. Still up and down so going to check everyone elses diaries and then log off.

    K xx
  • Souk08
    Souk08 Posts: 3,240 Forumite
    K, read your diary here and on families board and just want you to take care of yourself. Well done on all your achievements. Don't let him make all the decisions about YOUR life. XXX
    'The road to a friends house is never long'
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Souk08 wrote: »
    K, read your diary here and on families board and just want you to take care of yourself. Well done on all your achievements. Don't let him make all the decisions about YOUR life. XXX

    Thanks Souk08 - I hear what you are saying....trying hard :o xx
  • Has it really been that long since I've posted on my diary :eek: I have been around and reading etc - just not posting as much as I should do. Hope everyone is well.

    Need to get back on track money wise - it's been a nightmare and really all down to one thing...CAR :mad::mad::mad: Going to be expensive so weighing up my options at the moment.

    So, hope to update daily again. Have been good and doing my daily scratchies, now just need to cut back and budget well again. Already called mobile company and asked them to change my package to suit my needs, saving myself a LOT of money there per month :D

    Overtime not been around of late but hoping to start again this week...so far towards Jan payday I have the grand total of 1 hour :rolleyes: - lets hope this increases this week.

    Anyhow, best get back to it.

    Kxx

    P.S - hope to catch up on everyones diaries later xx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi karen - nice to see you back and look forward to those updates
    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
    Hi karen - nice to see you back and look forward to those updates

    Thanks SH xx
  • Added another 2 hours overtime in this evening. Managed a nice evening with the girls too for a tenner so not too bad.

    Have also arranged to pay and extra £5 per month off of two of my debts which will mean going down another £10 per month more as no interest on these - all good really.

    Little steps in my very much crazy world right now - everythings heading in the right direction :D

    P.S - I promise to catch up on everyones diaries tomorrow - i'm so unorganised of late in every sense :rolleyes:
  • Hi Karen, lovely to see you back. And glad to hear everything's going in the right direction :beer:

    Grrr to the car, I know just how that feels. Would giving it up be an option or do you need it?
    Initial Debt July 2020 - £6,772.80
    Debt now Jan 2021 - £6,208.21
    Overpayment pot - £0
  • Hi Karen, lovely to see you back. And glad to hear everything's going in the right direction :beer:

    Grrr to the car, I know just how that feels. Would giving it up be an option or do you need it?

    Thanks Bowski! I'm weighing up options with car at the moment, not making an rash decisions just yet :mad:
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