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Learning to live my dreams not trample on them
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Thanks everyone
Yes the weather is lovely! I escaped work after 4 hours so have been having a relaxing afternoon.
Bought myself this watch with some of my birthday money
http://www.watchshop.com/ladies-fossil-watch-es1742-p99932828.htmlAchieve 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 -
Hippy Birdie SH. Hope you have a good one.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
HI lucielle
Birthday went well - altho had a brief scare when laptop stopped working... Restarted now thoAchieve 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 well pizza and bowling went really well.... First time in years that we have gone out to a paid event with others except for works' dos.... Makes me realise what a rut we had got into.
We had a great night and lots of fun. Slight wobble at one point with the babysitters - the 14 year old friend wandered off for 10 mins or so - but other than that it went well....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 -
Glad you had a good day. Hope you are enjoying the sunshine!Successful 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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Belated Happy Birthday SH! Hope you had a lovely time x0
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Thanks hypno and macgirl
Yes had one of my best birthdays ever which was good given how much I had been dithering over doing anything in particular to celebrate it. Feel like we have broken out of some ruts we had fallen into too which is good.
Today I was effectively being paid at work to coach all day so that was really positive. People seemed to like my style and get something from it which was encouraging for them and me.
We've booked to go to a supper club in June now too in an effort not to fall back into previous ruts.... that is donation only so shouldn't prove too expensive LOL
OH is also 40 this year so planning to book him on a PADI course so at the moment feel like we are making a bit more of our "lives" and perhaps making a start on our very own bucket lists....
How is everyone else doing?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 -
Yesterday I spent some of my birthday money on an apple tree to replace the one that feel over last year and broke. It is a similar size to my last one already and has a decent root ball so am quite hopeful that it should produce decent apples this year... It has pretty pink blossom buds ready to unfurl.
I was also given one of those strawberry planters a few years ago and have bought some more strawberry plants (with my voucher) to go in it. I drilled some holes into a bottle and have buried a bottle inside the pot to so that the water will hopefully get the whole way down the plant pot
So together with the raspberries, redcurrants, blackcurrants, cherries and plums I already have growing in my garden I am hoping for a good yearAchieve 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 -
Supper club? What's one of them then?savingholmes wrote: »We've booked to go to a supper club in June now too in an effort not to fall back into previous ruts.... that is donation only so shouldn't prove too expensive LOL
OH is also 40 this year so planning to book him on a PADI course so at the moment feel like we are making a bit more of our "lives" and perhaps making a start on our very own bucket lists....
And what's a PADI course?
I've got a friend from MSE coming over tomorrow, who came to my wedding
Me and DH having been doing a fair bit in the garden too while it's been nice weather-done weeding all round (which is a task and a half in our jungle!), refound the rockery-which is going to get the ground clear treatment, done weed and feed on the lawn and mowed it (hopefully the dandelions will bog off!) and had the pressure washer out. Pressure washed all the cream paint off the patio set that i did last year (but didn't get to protect before the weather set in) and it's left a nice effect on the wood, so just going to varnish it now The difference between the pic of the garden when we moved in, and now is amazing! 
"I am indelibly stained by hope and longing" - Nuts in May0 -
Supper club is at a friend's house at church there will be 11 of us going. A couple will do the food for all of us. It is just a way of meeting and chatting to different people as you just put your name down so it is a bit luck of the draw who you end up chatting to
PADI is a scuba diving course
Sounds good re your garden.... next time you come over to ours you could dig some stuff up and take it home if you wanted... or perhaps get some stuff out of my pots?
Enjoy meeting up with your mse friendAchieve 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
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