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155 Days to go - Before it all changes dramatically!

1…1718202223

Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Be nice to be earning again cafcgirl - give you a little extra ready for when you get your own place again...
    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
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yeah exactly...

    Just need to get my backside in gear with sorting out debts..... Im such a procrastinator, and although I could blame my face ache for a period of time, theres just no excuse anymore, it needs to get done!
    Everyone, I am giving you express permission to KICK MY BACKSIDE everyday that I dont get something organised, and please be brutal I think its the only way i'll learn!
    Wealth is not measured by currency
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    have you sent off for your exemption certificate yet 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
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    that was done ages ago thankyou very much LOL

    thing is my face is still sore, but liveable, hence why im perfectly capable of getting stuff done....

    I mean today for example, got up at 11am,had brekkie, had shower, tidied bedroom, sorted out the rubbish,unloaded and reloaded dishwasher, done laundry, hoovered the hallway, ate muffin, watched tv, cleaned bathroom inc hoovering it (!?),put laundry out to dry, prepared dinner (sausage casserole and roasted sweet pots)....

    Now if I can do that in 7 hours.... why am I not doing things that are actually more important!!!???
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    only news to report really is DH passed his physical exam and has his interview for fire service on the 22nd..... so YAY for him! xx
    Wealth is not measured by currency
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh well done to your DH, hope he gets on OK at the interview.
    Sealed Pot Challenge #016
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Good on your DH!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yeah im very proud of him.
    He was really upset after his physicals on sunday because he thought he'd fail on the first section, so he was really bummed, so then finding out he'd passed, he was dead chuffed..... just need him to interview well now and get in on a training course :)

    Im celebrating 23 weeks of pregnancy today, and my mum is coming up to visit me and my sister, and we need to sort out our van hire for tuesday as well...
    Wealth is not measured by currency
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Morning chick, haven't caught up with you all for ages. How are we all???
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I dont think MSE allows the words I would choose :)
    Wealth is not measured by currency
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