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'The Paper Hatters - our aims for 2010'

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  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ALRIGHT TREACLES!!!!

    Muahahahahahahahahaha! I'm sure you've all missed my daily wafflings!

    I've got to get my life sorted, and I need your help ladies!
    Debts are going nowhere fast, obviously not working, as we moved and then had a baby LOL So am on maternity allowance which runs out in Dec. Hubby (god love him) is the only one of us making any payments to his debts, I seriously went off the rails whilst pregnant with money etc.... and theres no excuse anymore and I dont want to end up in debtors prison!!!

    OK so four months left of the year... lets have a 4 in 4 challenge. 4 things (and not piddly carp either) in 4 months... so by Xmas 2010 these things MUST be done of face the wrath of the mighty whip.............. WHAPPAH!

    I'm gonna ponder mine....
    Wealth is not measured by currency
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hey CAFC! Nice to have you back!

    Good idea you've come up with, must think what I can do as moving soon and it'll be more expensive.

    Can I use my paying off the s.loan as one of them? Feels bit like cheating as I am determined to do it anyway;whadda ya think?

    Anyway,CAFC, give us your life in a nutshell since you veered of from these threads? I certainly don't know anything....is it a girl or a boy? What did you call him/her? etc etc...

    EDIT: just read your sig, so I guess it's a baby boy Landen?
    Nice to have you back!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 17 August 2010 at 5:32PM
    Your detective skills have served you well my love....

    Baby Boy Landen born on 18/6/10 8lbs 7oz weight, by emergency c-section after 27 hours of hell and drama, all very traumatic and I've got birth trauma induced memory loss..... but he's lovely so I dont mind too much :) He's chuffin' massive now.....
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    tirlittan wrote: »
    Hey CAFC! Nice to have you back!

    Good idea you've come up with, must think what I can do as moving soon and it'll be more expensive.

    Can I use my paying off the s.loan as one of them? Feels bit like cheating as I am determined to do it anyway;whadda ya think?

    Anyway,CAFC, give us your life in a nutshell since you veered of from these threads? I certainly don't know anything....is it a girl or a boy? What did you call him/her? etc etc...

    EDIT: just read your sig, so I guess it's a baby boy Landen?
    Nice to have you back!

    ETA And Yes of course you can have that as one....where are you moving to next?

    OK
    One : Re-establish contact with all debtors and get up to date figures/enter into correspondence

    Two : Lose the baby blubber

    Three : Set aside £300 for Xmas

    Four : Hmmmmmmmmmmmmm
    Wealth is not measured by currency
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ok

    Four : Budget for food PROPERLY £140 per month inc house stuff/baby milk but not nappies, and £10 per week for hubby for his lunch stuff. We're dreadful for spending money on food these days, esp takeaways with a new baby....
    Wealth is not measured by currency
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey cafc. Nice to have you back. I thought this thread had died a death. Glad it hasn't. Hmmm a 4 in 4 now that's an idea. Will get back to you on mine. Will have a think while I'm at work tonight. Might be a hard one cos I've just moved into a new house so can't use that. Just got a promotion at work so can't use that. Hmm new house new job what else could I want????? Seriously I'll have a think and let you know x
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 August 2010 at 12:07AM
    Well I picked a good day to visit the thread again! Congrats CAFC girl!

    By Christmas I want to pay off 2 credit cards - that would just leave 1 plus MIL loan

    PO £2892
    BOA £2801

    Both are 0% until xmas
    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
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Okay number 1 pay off my egg card

    number 2..........................

    That's all I've got. How sad am I? I need to have a very good think
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Okay had a think and I've got 4 now. Fanfare pls........

    1. Pay off egg card £729
    2. Lose 7lbs (18 wks to Christmas so should do it)
    3. Declutter wardrobe (not very dfw but will make me feel better therefore increasing my enthusiasm for debt busting....hopefully)
    4. Sell 40 items on eBay (that's 10 a month so should be doable)

    when we starting then?
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    1 Pay off PO
    2 Pay off BOA
    3 Lose 7lbs - nicking that one thanks! Currently xx12lb
    4 Declutter bedroom which is a mammoth job - everything that doesn't have a home seems to line our bedroom walls!
    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
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