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Learning to live my dreams not trample on them

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    You are certainly a one busy lady! And coping with it well! :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tirl thanks.

    We went to church yesterday - that went okay. Had chicken korma and rice for dinner. I did another dishwasher load and some washing but kept noticing water leaking in my utility. In the end had to switch washing machine off - there is a leak in the cupboard under the sink so it was wetting/wrecking my clothes faster than I could wash them. OH reckons he can fix it tho.

    Made a cake yesterday and let kids ice it.... White icing and they made spiders to go on the top with some black icing I had. A bit sickly really tho as the icing is too thick!!

    Made a gorgeous roast dinner for tea but got OH to peel spuds and sweet potatoes that was really yummy.

    I actually sat down long enough to read a book. I didn't do any painting this weekend in the end and still got to sleep. Still need to get a move on and get to work. DS is on an inset day today. DD told me she was too - but luckily I checked and she isn't! So she got a shock this morning when she was told to hurry up and get ready for school.

    Need to check her hair again really....

    OH needs to order new flooring he still hasn't done it

    I need to find out how to pay off new car as money now sat in the bank from balance transfer ready....
    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
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    House is sounding fab SH...and bonus if it's helping you sleep.

    Glad work is being supportive, must be a huge weight off your mind.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KJ - feel like my brain has switched back on which is very important - and was the bit that was scaring me the most!!!

    Work are being really nice... It helps that I've achieved a couple of really important projecst that help my team mates. I got given a pressie as a thank you by one person I'd helped today which was good

    House decor wise is improving - mess wise pretty bad... but cleaner coming Wednesday so temporary
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OH and DD have gone to the cinema - its cheap night Mondays... £3.60 each so not bad. We don't want her to do Halloween but wanted her to have a treatment

    DS has gone trick or treating -altho we'd rather he hadn't. Think we have had over 100 kids!! Can't believe how many sweets gone thro....

    Have been trying to hoover and tidy while everyone is out... Trying to get things respectable after letting htings go while I decorated!! Still got lots more to do....
    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
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    I think, well I'm hoping, we've had the last of the trick or treaters. I don't mind the little children, but it can get a bit much.

    Poor DD, thinking she had a day off.
    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"
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Luckily DD likes school. ;)

    But yesterday got home and DS had a friend over (outside) not allowed in when adults out... SHE was back again tonight:eek:. So invited her into front room, chucked her out of kitchen while I talked to DS and then basically took her home and advised her to get a rape alarm or use a bike with lights.... as she would be safer than walking alone on the streets at night...:eek: I told her about an incident last year - and said basically I cared about her safety... Will see if has any effect....

    Today was okay but not in the mood for DS's friends hanging around... "come by invite only" on a school night in my book!! OH left first thing like 5.30am but because of a chemical spill - not likely to get back until about 11pm.... Hope its sooner....

    Luckily got 2 pizzas in the oven - £2 deal... Was tempted to go out for a meal but resisted... The kids are having pizza - I think I will have sausages, jacket spud and beans.... Yum!!
    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
  • Double_Trouble
    Double_Trouble Posts: 4,375 Forumite
    edited 1 November 2011 at 10:13PM
    Just had to share I finally won 150 gold stars on you know who which takes me 382 :j:j:j:j:j:j:beer::beer::beer::beer::beer::j:j:j:j:j:j

    So I can finally got my amazon voucher may frame it :rotfl::rotfl::rotfl::rotfl:

    Thanks for the encouragement to carry on :T

    DTxx

    Right I am now gutted I am sure it was 350 stars for a £10 voucher now it is 650 for a £20 voucher or 400 for a £10 Mr T gift card when did that happen? :mad::mad::mad::mad::mad:
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi DT - really pleased to hear it!! Well done you. Still waiting for my voucher - but they always take a while to process them so don't worry if they take a few weeks. My sis has chosen what she wants from amazon with it....

    I'm back at 40 gold stars already
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes wrote: »
    I'm back at 40 gold stars already
    Make that 41

    Watching 71 degrees north with DS eating 39p ginger cake from HB love that shop
    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
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