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Learning to live my dreams not trample on them
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Belated Happy Birthday SH!
Sorry, I seem to have missed this diary totally, but have found it now and am going to subscribe so I won't lose it again.
Nice to hear you had a great birthday, you totally deserve it.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Hi tirl - thanks for the visit. It is easy to miss diaries isn't it....
Today was good but really long day.... Ideally should do some more planting but really tired... so may just water to keep the plants good and hope to have another go tomorrowAchieve 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 just caught up! Happy birthday better late than never! lol.x0
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Thanks BTD always happy to receive good wishes! Hope you are okay too!
Really tired and a bit snappy tonight but was out 11 hours... should get some of that time back later in the week but really tired for now....
DD came home with a £13 school trip letter today....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 -
Cool, I'll tell DH. Everytime he goes to his ma's he comes back with another plant he's "rescued"! There'll be no plants to sell the house with at this rate!savingholmes wrote: »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 friend
"I am indelibly stained by hope and longing" - Nuts in May0 -
hi good day today but no stop again but at least I was local today which helped. Due to be local tomorrow too altho will have to travel a bit Friday which is pants.
OH has got some free tickets Saturday to a "big church day out" Saturday - apparently there are speakers, bands and all sorts and the 4 tickets are valued at £120! Need to check out the details I think... but I suppose it is a "free" day out other than petrol and food and should be a bit different for the kids.
BZ - there will almost always be plants that can be "rescued" / "liberated" from my garden - just need to agree a good time. You could have some irises, alchemela mollis, poss even some raspberry canes, sedums, geraniums, poppies, some more of those pink flowers you put in your bouquet, tall white forget me not type flowers, phlox.... (excuse spellings!)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 -
Happy belated birthday - the watch looks lovely. I'm glad you enjoyed the bowling and eats with friends.
I paid for my dh to do a PADI course for our 20th wedding anniversary - nearly 12 years ago now - scary!! He loved it and went on to do quite a few others.
Don't know where the time has gone to recently - seems ages since I've read the diaries properly.
Take care - I go away on SUnday so might not be around for a couple of weeks.
MilannJanuary spends - £587.580 -
Thanks Milann - I haven't been keeping up with diaries as much either.
Enjoy your time awayAchieve 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 have cancelled DD's childcare place on a Thursday which should save us £8 per school week.
I have also done my expenses claims which comes to around £250 which I should get minus any tax in a couple of weeks time.
Really tired, had a very busy week but found it satisfying. Boss seems happy so that is also good.
My DS is growing up. He has a friend staying over tonight plus 2 girls have come over to meet up with them. Eeek... Second time it has happened, once was last weekendAchieve 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
just catching up, glad you enjoyed your birthday after all your wondering over what to do. Sometimes its just good to be different.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0
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