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Getting out of my comfort zone

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  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 November 2009 at 9:59PM
    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
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Thanks SH! And thanks for the PM :T
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I found a suggestion for little bah humbug jars - tin jars, labelled "bah humbug" with humbugs inside... think I will give that a go too!
    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
  • I found a suggestion for little bah humbug jars - tin jars, labelled "bah humbug" with humbugs inside... think I will give that a go too!
    Good idea, I just liked the idea of wrapping some cheap sweets up in cellophane to make them look like something expensive. There is a shop near me that does old fashioned sweets and I had a bit of a browse yesterday, they have cones full of things like flumps and fruit salads, chupa chups lollies, and they sell them for £2.99 so if I do something similar should be good.

    also found an idea for 'a perfect man' can't find the link but it was

    Perfect Man kit


    They are mixing bowls, a wooden spoon, the choc chip cookie mix layered in a cone (like snowman soup), gingerbread man cookie cutter and a laminated poem/instruction tag. All wrapped in cellophane/ribbon etc.

    Make yourself your perfect man
    He's quiet, he's sweet,
    He has no eyes and he has no mouth,
    And he has a body with a perfect tan!



    I'm thinking of doing a mini version using cheap plastic cereal bowls for my single friends.
    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"
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    edited 27 November 2009 at 9:46AM
    Just realised this is getting a bit crafty, but that's what life is about at the moment.
    I consider it to be all debtbusting as it means nice cheap presents for people, especially friends who don't expect me to spend a lot, but over the years have come to expect something unusual. I've set myself up for a bit of a lifetime of crafting really.

    Got paid yesterday - £150 so will start to get some extra stuff towards Christmas, its only 4 weeks away!!

    So that is £25 gas and leccie
    £25 petrol
    £40 for normal groceries
    £20 for extra bits - maybe

    in theory that should leave £40 next Thursday to go off various debts.
    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"
  • Picture of snowman soup here
    other cards on blog
    also recipe for Nigellas Christams decorations here
    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"
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did loads of craft things my first year with mse - and started in July for xmas! This year I haven't done much. I did do the perfect man thing but last year was able to buy 3 pre-cellophaned ginger bread men and just added tags to them (from b and m bargain) - it was a perfect man poem but ended with and now I can bite off his head LOL
    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
  • Need to get the rest of the Christmas shopping done. Arrange a morning to meet sister which goes ; meet, have coffee and cake, sort out lists, agree where to go first, shop, gab, have coffee and cake, shop. have coffee and work out whats left, finish shopping, lunch then home.
    Have got money put aside in various pots including a prepaid card, so need to organise myself.
    Been working until now, have had glass of wine and whoopsie chinese meal from Morrisons. Wasn't really in budget but too tired to do anything when I get in, and should have had something in slow cooker waiting for me, but because of waiting in, fruitlessly, for DHL, didn't get to the shops. Thats my excuse and I'm sticking to it anyway.
    Loan is now only £764 which takes the whole total to under £4k. Not a lot compared to some, but half what it was when I started.
    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"
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you're making good progress!
    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
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