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

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    3mi lunch time run again and level 1 of Shred when I got back home without weights as my shoulder's giving me jip.

    Talked to the agency re the job last week but they are only offering me the low amount so it's not going to work for me. On to other things...
    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!
    edited 27 January 2012 at 9:34AM
    1500m winterswim yesterday with 200m warm up. That totally knackered me! Didn't help it was really busy and I had to overtake the same guy 3 times! He should've been in the slow lane. Cycled there and back, it's only a mile but coming back almost all uphill! And then decided to see how my legs felt running, only did 200 yards though as left bike leaning on the garage. Might have to take a rest day today.

    Have found 3 jobs to apply for before February. Any good places to have a look at a good covering letter? I'm carp doing those as well.:o
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • Great news that you have 3 jobs to apply for.

    Hope you have a lovely weekend x
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Thanks CMD. How are you doing?

    I really need to try to get more sleep during the week,usually my alarm tells me I have a about 7hrs and it's just not enough as on Saturdays I can't get up before 9-10am! What a waste.

    Run and a swim planned for today.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tirl - if you need help with your covering letter pm me or if you still have my email address email me and I'll see what I can do to help
    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!
    It's going down! :)
    There will be a blip next month as we joined the gym and have to pay it up front, that's £303! But I don't want to extend my DFD so have to figure out something.


    debt.png
    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!
    Hi Tirl - if you need help with your covering letter pm me or if you still have my email address email me and I'll see what I can do to help

    Thanks SH! Will contact you soon.
    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 am so tired today. Went early to bed as well as had to take the train again today because BF is up N Wales helping his mum move.

    Had to cycle to work every day last week as it was too cold to use the motorbike. It was hard work as I find the hills difficult on the pushbike. Ended up doing about 50miles last week. On Sunday had to cycle 6miles to the vb match and then back. I had a rest day on Saturday though and today when I cycled, my legs felt much stronger and more powerful,well,at least a tad. ;) Was supposed to go for a run at lunch time now but will just go for a walk.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am always gobsmacked at how much exercise you do Tirl - well done

    I made it to the gym tonight so pleased with that
    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!
    You're doing really well with your exercise as well SH! You're going to the gym a fair bit!

    I just don't have a choice, if I can't use the motorbike, I have to go by train and bike as station is 4miles away from home. The worst thing about it is getting up so damn early! I'm trying to cycle a bit more now as I want to do a sprint tri this year, end of May. Last night when I cycled to my friends I took a slightly longer route, only 6miles still but bit better than 4.5mi.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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