📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

22 Months to DF-Day - The Race is On!

Options
1666769717286

Comments

  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi CMD! Nice to 'see' you!

    I'm good thanks and things are going fine.

    Don't beat yourself up CMD, your situation is a lot different to mine! You have two babies,are moving back to Ireland etc etc. You're doing great!!!!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    What a horrid ride back home. The road was grey, the sky was grey,the rain was grey, it was very difficult to see. And I got wet! Not looking forward to ever doing that again.

    BF is away so am just chilling out watching telly and surfing on the net. Was supposed to either go for a run or do my exercise dvd but the trip back dampend my mood..;)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Bloomin' hell, it's raining again! I don't want another wet ride home! :( Wanted to head off 4ish so will just have to wait and see...
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the weather wasn't too bad for you.... Its rotten getting soaked on a motorbike. My OH invested in lots of wet weather gear as unfortunately it really is both needed and worth it....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Yesterday was fine, ended up beind a lovely ride back home.

    This morning however...not so nice. Not too bad either though,mostly. I put a thin water repellant running jacket underneath and only got a small wet batch. What we need to do is reproof my jacket and trousers though they are new but I think that really for weather like this (hammering it down with rain) I just need to buy a all-in-one waterproof suite. They're not expensive. I used to have one but I sold it to pay off my debts when I knew I couldn't afford a bike for awhile.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    ah, the 6.5/7hours of sleep I seem to get at the moment really isn't enough for me. Went to bed about 11ish yesterday and basically only just got up! Not good. Think I want to go and check the local charity shops today and maybe a few new ones and then I want to go to Fabric Land and see if I can buy some cheap fabric to start making things. :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What are you thinking of making Tirl?

    I may have found someone to make my roman blinds for me which would be good... waiting for her to arrange to come round but hoping it isn't too soon as house a tip and we'd need to tidy up but not so late that the fabric is gone!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Just want to make some bags and maybe start making clothes again. Nothing happens in hurry with me though...;)

    Lost our first match in volleyball :(. And it was all our fault, just didn't play as a team and didn't get it together, we basically gave it away!

    Went for my first run in ages this week as well. Basically did a route that I've walked before and I knew there was this zig zag uphill and knew I'd probably have to walk it up, just could not see myself running it up...but I did! It wasn't easy but nowhere as hard as I thought. Only ran half an hour in total but it's a start and very pleased. Plus it was nice being outside running again. :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I'm planning a 'Healthy November'. Which obviously starts today.
    It includes exercise and healthy food and excludes crap food and being lazy.

    Plan is to start running regularly again,2/3 times a week and do some core work/exercise dvd as well. No alcohol,coke,chocolate,sweets and other crap (except I'm allowed some on my birthday [weekend?]). I might allow myself to eat some dark chocolate once a week so I won't be totally denied of everything but I'm trying to make a break from bad habits that I've allowed to creep in and take hold.

    I guess I ought to make a bit more detailed plan so I know what I need to keep to. Maybe even have a goal for losing weight which I've just ignored and thought,"it'll go at some point when I start exercising again". Need to think about that and report back.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tirl well done on the run
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.