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Learning to live my dreams not trample on them
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Buffet, wii and chat sounds good.
Glad life is picking up in the right direction for you. Like the old saying goes - it begins at 40 - so get ready to ENJOY!!
MilannJanuary spends - £587.580 -
Hi CMD and Milann
Yeah good weekend - still tired now tho!
Just done my internet banking as get paid tomorrow and OH gets paid a couple of days after that. I am within £6 of what I forecast which I think is quite positive.
[STRIKE]Need to cancel home insurance with barclays[/STRIKE]
Need to send paperwork to car insurers
Need to pay 2 lots of childcare bills sadly totalling well over £100
Need to take stuff back to M&S as MIL offered to take me shopping which will give me 20% discount (need to find 1 of the bags - found 1 bag not the other lol)
I have also found out we got paid £13.80 by quidco this month which is good news...
Need to get more organised.. struggling at the moAchieve 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 10/10/250 -
Hi guys
Well I have been paid again - half in advance, half in arrears. Nice feeling. Bank is happy! About £8 less than I estimated but I think that is just cos I am paying slightly more pension....
How is everyone...? Really must read some diariesAchieve 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 10/10/250 -
Finally written another blog for my website - it has only taken over a month! Still getting more followers though so it is working somehow.
Only planning to make basic payments to cards this month so we can clear most of our overdraft. Hope next month to start making inroads into debtAchieve 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 10/10/250 -
Hi guys - well I hit the big 40 tomorrow! Going out locally to a restaurant at night. Hoping for an early dart using flexi time. Planning to curl DD's hair and possibly even my own! I've said we all have to go ultra smart - wedding suit (from last Sept) for DS and OH - probably a gorgeous pink monsoon dress for DD! Me mix of matalan special at the top and per una skirt plus of course my gorgeous new bracelet that I get tomorrow!
Going out Saturday with 3 other couples - pizza and bowling.... Should be fun...
In money news, planning to stop DD's childcare on a Thursday night in a month's time - that will save £8 a school week which will add up. Will still leave her in childcare Mon-Wed.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 10/10/250 -
Oh and just redeemed £5 from bpAchieve 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 10/10/250 -
savingholmes wrote: »Hi guys - well I hit the big 40 tomorrow! Going out locally to a restaurant at night. Hoping for an early dart using flexi time. Planning to curl DD's hair and possibly even my own! I've said we all have to go ultra smart - wedding suit (from last Sept) for DS and OH - probably a gorgeous pink monsoon dress for DD! Me mix of matalan special at the top and per una skirt plus of course my gorgeous new bracelet that I get tomorrow!
Going out Saturday with 3 other couples - pizza and bowling.... Should be fun...
In money news, planning to stop DD's childcare on a Thursday night in a month's time - that will save £8 a school week which will add up. Will still leave her in childcare Mon-Wed.
:beer::beer::beer::beer::beer::beer::beer::beer:
Happy 40th Birthday!!!
Just getting in there in case I don't get a chance tomorrow. Hope you have a brilliant night. You deserve it
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Happy birthday for tomorrow :TSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Happy Birthday for tomorrow:bdaycake:0
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Happy Birthday SH :bdaycake:
Hope you've got just as good weather where you are xxx
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0
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