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22 Months to DF-Day - The Race is On!
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Ok, 4 days since I pledged to do 200 abs a day and proud to declare that I have done this every day so far. Only 96 days to go...:D
2 runs last week, only one shred, ivb training and match and mountain biking. And those abs... sometimes bit difficult to fit everything in though I did have 2 rest days last week, bit unneseccarily.
Have decided to include the hsbc cc as main debt as it doesn't seem to go down anytime soon.:( Stupid, stupid girl. It's just really tight every month atm. Pay day on Friday and have £2.36 in the bank and 10p in the wallet! Not good. And next month is going to be pretty similar.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Abs still going well (they do hurt though!!!). It's funny though, when I do them, I couldn't do any more, but then after it doesn't really feel I've done anything. Did on Sunday though...
Went to cinema yesterday on free tickets to see Social Network, was good.
Today I'm going to the cinema again with a friend that's just moved back to the area.
And the BIG NEWS - BF got that job!!! And it'll be a permanent transfer starting on 1st of November! Eeeek! So now there's a few things to think about. Like, am I going to move with him (of course I am!). Need to find a job and a place to live but we're not in a hurry, he has to commute for awhile, probably till next year. We have this place end of February so we'll see how it all goes. It's kind of bit scary but exciting at the same time.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hi Tirl - that sounds some fitness regime! Amazing! I couldn't do one crunch I don't think!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Abs still going well (they do hurt though!!!). It's funny though, when I do them, I couldn't do any more, but then after it doesn't really feel I've done anything. Did on Sunday though...
Went to cinema yesterday on free tickets to see Social Network, was good.
Today I'm going to the cinema again with a friend that's just moved back to the area.
And the BIG NEWS - BF got that job!!! And it'll be a permanent transfer starting on 1st of November! Eeeek! So now there's a few things to think about. Like, am I going to move with him (of course I am!). Need to find a job and a place to live but we're not in a hurry, he has to commute for awhile, probably till next year. We have this place end of February so we'll see how it all goes. It's kind of bit scary but exciting at the same time.
Great news about your BF! Lots of excitement for youTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Keeping up with the ab workouts, usually do them after I get home from work. Have been very disciplined and am very happy with that. Had Tuesday and Wednesday off this week. Tuesday was supposed to be a day off anyway as went to cinema almost straight after work but was still feeling tired on Wednesday after the weekend and decided not to do Shred. Planning a 6miler tonight though.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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Ah, bit of a blip on the ab exercise front. Had a friend's wedding on Saturday and thought I'd do them afterwards,late afternoon/evening kind of thing cos I'm not good inthe mornings...but went out after the dinner and never did them and didn't do a full set on Sunday either...:(. Back into it since Monday though so not too bad though it won't be straight 100 days now.
Started a new training regime for running as well. Starting with 20 miles a week, just easy running for first 4 weeks to get used to and maintain the mileage. I've always been an occasional runner and doing it for fitness for other sports, but now I want to go under 25:00 min for 5k and it's not going to happen unless I train properly.
Bf is supposed to get paperwork for new job on Monday and he's off to a training course on Tue+Wed next week so it's all go. I really need to start looking at jobs in Bristol.
Money is still tight and every month is bit of a struggle atm, but December should see me back on track as then I've hopefully paid my last student loan payment and should have some 'extra' money. It should get me on straight and narrow and after new year I'll have to look at my situation again under microscope.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
I think Tirl you should celebrate your successes rather than focus on the not 100 days straight thing.... you are still doing way more in a week than others manage in months!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Thanks savingh. Yeah, it was more a little plib than anything else and I'm going strong. Have thought about if everyday is a bit too much though, it's more for mental than physical reasons why I'd need a break, but if you have a scheduled break it doesn't feel so bad so maybe weekends should be off.
Atm I'm heading towards £50 o/d this month, need to find some money from somewhere. It's just constant though and will be like this till December. Just need to get on with it!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
It's my birthday today!
Am at work but hoping to finish early, about 3pm. Made lemon drizzle cake and chocolate brownie cake for work,both are yummy even if I say so myself.
Nothing particular planned for tonight, bf's cooking a meal and maybe cinema as still have clubcard voucher tickets.
I have to decide what I want as my birthday present. A new mobile with wi-fi and skype with a wii fit as a present, bf would pay half of the monthly bill or something practical like warm,waterproof cycling gloves and micro fleece. Am tempted about the former as never really had a really nice phone and if I'd have any console it would be wii, but am I going to use it enough??? Decisions,decisions...DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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