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Getting out of my comfort zone
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hope that you get the right outcome from this interview
glad you are feeling inspired again! My DS made a card after you left - yeah the same night... he couldn't sleep!!! So I let him get away with making one!! He liked the ones I had done.... I love kilner jars after the gifts in a jar thread on the special occasions board... I have also recently bought lots of d... egberts coffee for the jars... great for sweets etc and smaller than the average kilner jar (altho Asda do good offers too)... The coffee jars were £2 recently in tesco so I bought loads... no points for guessing what I am planning to do with them!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 -
Hi SH
the jars I got were the small squat ones, so will be easier to fill.
Must get some sweets ordered from online sweet shop place, and some little cellophane bags. Job for the weekend.
Have paid mortgage, so this payment is the 4th this month, so I have now overpaid and by paying next week, will have overpaid by over £200 :TSo far since starting this job, have overpaid £420 so should make a difference.
Off to finish getting ready for work.
Have a good day everyone, its Friday!!Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
I am so relieved its Friday - this week has felt endless! Have a good one!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 -
Thats a good week for you, in spite of the sparrows wotsit timing! The overpayments sound brilliant, they really do add up and make a difference. I agree with you about different ways of thinking about commutes - down here, an hour's commute is really good - its only two hours or beyond that people feel the need to take care of it (by taking stuff to do! Not by not doing it
) Shrewsbury would be a *lurvely* place to work in for a while - but since its temp, lots of calculations to be done for you, I'm thinking. 2023: the year I get to buy a car0 -
Evening all
have had a phone call from the agency and its almost certain that they want me to do the job for them, they need to get the finance cleared. They were checking that if offered the job I would accept it, so forced to say one way or other, I said I would take it if offered, so long as the money added up.
Will know more on Monday and for certain at the end of the week.
It has made me realise that I'm not very good at decision making. I just go with the flow and what's easiest. I can make decisions in work, but otherwise, just drift. Years ago someone told me that people spend more time planning their next holiday than the next 5 years, and it is very true for me, except I don't plan holidays either!
Usual financial stuff done,have spent money picking up a game for DS on the way home, but he will give me the money back, and I got a free £8 gift voucher :Tfor HMV so there's something towards Christmas.
Went for a walk at lunchtime, about mile and a half, needed to get out for a while.
Tomorrow am going to clean carpets downstairs so need to move furniture round. Sister is coming round to help, we get so much more done when there's 2 of us.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Yippee
have received £15 credit from British Gas for being dual fuel pay as you go customer.
Its probably not the cheapest, but I prefer paygo as it helps me budget, would sooner not get whopping great bill, and monthly DD wouldn't work for me at the moment.
So was going to put £20 in the electric today, so have saved already.
Have also found out they have a system where you can top up from home, which will be easier for me.
So far today- 1 load of washing done, and some of it out on line
- 2nd load of washing in machine, no idea how I'm going to get it dry -may take to launderette
- bathroom done
- Bath towels all bagged up to take to launderette - no chance of getting them dry!
- All dishes done and put away
- Kitchen and bathroom floor done
- Been to Tesco - spend so far £10.08
- Written list for various other shops
- Sorted ironing into piles
- needed for weekend
- needed for work
- just needs doing and putting away so could be put away un- ironed (my mother would call me a s!ut for doing that!)
Off to read some more of MG diary.
Have a good day allDebts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
Really pleased with the living room carpet. You don't notice how bad its got until you move furniture round and see the colour it used to be :eek: that's the problem with beige. Still not marvelously tidy, but then there are boxes of craft stuff; may have a look for something with drawers in to put them in. Two or three hours of hard work, then had some lunch and watched qualifying for the GP.
Then fell asleep! So it may have been the hard work, or it could have been the white bread toast I had earlier. It just feels so much better now.
DS has just told me that he probably won't be working next week as his re-registration went in late, so his new badge hasn't come through. Even though it is head office' fault as he passed it to them weeks ago, he can't chance it. So he's got unexpected, unpaid time off. He's got a proper DJ 'set' in a new club on Friday so he's really looking forward to that.
This has taken me absolutely ages to type as it keeps going back a page. I think it may be the small keyboard, maybe I accidentally press something.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
nice to get cash back and vouchers
sounds like you've got loads done - congrats!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 -
There *is* a lot there, well done you. Great news about the job, well, that they want you - to be headhunted and offered what they've got is always a boost. I really hope the money adds up well for you - and I hope you can start to focus on what *you* want, rather than anything else.
And yay to clean carpets! The carpets here, although they're new - they've got dog hairs on them, and more and more hair keeps coming up. And the rooms that don't have carpet mostly have bare stripped floorboards, that everyone except me absolutely adores.... to me, thats just more spaces where dog hairs can fall through and make my allergies play up.
**KC wanders off, dreaming of clean, allergen-free carpets**2023: the year I get to buy a car0 -
savingholmes wrote: »nice to get cash back and vouchers
sounds like you've got loads done - congrats!
Thanks SH - unexpected bonuses are always good. It's also good to feel proud of getting stuff done rather than looking back and wondering where the day went.There *is* a lot there, well done you. Great news about the job, well, that they want you - to be headhunted and offered what they've got is always a boost. I really hope the money adds up well for you - and I hope you can start to focus on what *you* want, rather than anything else.
And yay to clean carpets! The carpets here, although they're new - they've got dog hairs on them, and more and more hair keeps coming up. And the rooms that don't have carpet mostly have bare stripped floorboards, that everyone except me absolutely adores.... to me, thats just more spaces where dog hairs can fall through and make my allergies play up.
**KC wanders off, dreaming of clean, allergen-free carpets**
KC - I'm beginning to hope the money adds up too. They already have approval in principle, they just need budget approval.
When I was with my ex he had a dog and I bought a really expensive hoover which was the only one that got the dog hairs up without getting blocked all the time. Maybe you could think of renting a carpet cleaner for the day, then you Know they are clean.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0
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