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Learning to live my dreams not trample on them
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Introduced my kids to the frog song video courtesy of youtube- and have ordered myself a copy for xmas
It snowed yesterday but is raining now so hopefully will be able to get out and about later. I gritted our path which worked so pleased with that as its a slope!!
Excited about family coming tomorrow - yesterday was a desperate rush of trying to find everything... I'd lost all my dad's pressies and my mum's main pressie and was struggling to find where I'd put anything for my OH so was having mini panic attack!
Now I need to focus still on tidying up and what else we will eat tomorrow. Still have enough drinks in I think.... We keep eating our nibblely food which isn't helping LOL.
I am taking cold and flu meds tho as still sneezing and spluttering.... Not my best look!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 -
Well family event pretty much went fine. Had plenty of food my brother bought some extra drinks and my BIL made 3 deserts... Ta very muchly! The ones who got pressies seemed to like them... Some are waiting until we see them xmas day (but only seeing a select few then). At least it got some of the biggest sized boxes out of my house and made a bit more room!
DD is going to MIL's tonight until Friday which will make things easier. I have a trip to go on for work today - deliver some training and come back - but she may have gone before I get home. We both are hoping to finish work early Friday so will get her back then.
In an ideal world I would send a couple of pressies up with her for our third cousings... but of course I have no idea where they are....
Need to finish getting ready and get off. I've had some porridge. Ideally I need to sort out some lunch leftovers from Sunday to take with me as I am unlikely to get much time to eat today it is one of those kind of full on days...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 -
Tonight I need to adjust my Mr a shopping delivery due tomorrow to make sure not getting stuff I don't need - and that we do get things we need like loo roll!!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 -
Well had 2 manic days - was at work 10-7 Monday - worked 9-7 yesterday so building up flexi-credit.... now just need the chance to take some! Really hope finish early on Friday!
I do now have 2 interview dates for the promotions at work but they are not quick - but at least it gives me lots of time to prepare.
I am really tired now - just want xmas to come already but still have so much to do at work altho I could work short days it would just put more pressure on. Cleaner comes todayAchieve 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 -
Cleaner - didn't come today - gutted! But saved me some money!
Had a bit of an argument today at work which caused me problems... but as far as I am concerned I believe I was in the right so there we go... If I ever have a 1:1 with my main manager I will raise it...
I have booked an extra day off Friday as I am working long hours and am shattered
We have had our shopping delivery which is good... the men of the house have failed to put it away which is frustrating. Will chivvy them along once I've had my tea! Having beef burgers mash and beans...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 -
Hi guys well I am now off for xmas - really pleased!! Worked long hours today but worth it for flex day 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 -
I'm off as well and thank goodness to!!!
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 -
I'm off for 12 days which I think has been my longest stretch all year.... think may have to start booking 2 week holidays!! Keep rubbing it in to OH who only has 10 days offAchieve 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 -
I got 62% on the mse tightness test... what about you....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 -
61%savingholmes wrote: »I got 62% on the mse tightness test... what about you....
"I am indelibly stained by hope and longing" - Nuts in May0
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