We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Learning to live my dreams not trample on them

1…151152154156157…168

Comments

  • lucielle
    lucielle Posts: 11,577 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    only 57%
    L
    Total 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 #124
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    31%

    No wonder I am in debt!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well Martin only got 41 - his wife beat him....

    Relaxing on new suite now having been to church xmas party my DD enjoyed it... I talked to one family I hadn't caught up with for a while but other than that would have preferred to be at home... not that there's anything on!!
    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
    Just seen your news about the interviews, hope it goes OK.

    Not had much of a chance to catch up with everyone, so wishing you and yours a Merry Christmas now, before I forget!
    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
    Merry Christmas everyone!
    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
    HI guys well it has been a good xmas so far

    cleaner came today - we went out to give her space. she has agreed to work for me directly as soon as I can get out of my current contract with her agency. She is going to work fortnightly directly for me and then fortnightly for them at mine until then. I offered to split the saving I'd make so she was happy with that.

    I've got OH's family coming over new years day for a meal but really it is to celebrate DS's birthday which is next week.
    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
    Hi guys - nice day again today... despite risking 1kea. I got a birthday pressie for DS he needs - and a couple of new units for our front room which match our new colour scheme and which should make playing on the xbox kinect easier.... OH has put the unites together - I managed to get front doors in red and "beam thro" glass which hopefully will help things match into the room but without needing us to have everything on show either. We will still have room for 4 shelves of DVDs and the odd video. Need to persuade OH to rehouse my lovely liatorp (current cupboard into his study). It was nearly £300 albeit 5 years ago and I still like it - it just didn't really work as a media centre....

    Need to unload the old unit and move the new one in place and transfer the xmas tree to the other side of the fire place!

    Also nipped to M&S and spent too much (of food for Sunday). Need to check on the joint and other items I am planning to serve on new years day and see if I still need anything else. I would like some strawberries still if I could get hold of them... Leeks and mushrooms would be nice too.

    Kids and OH enjoyed their day.

    Have been investigating getting a dog as kids still nagging for one... Having read up on the internet tho - think would need to time with either a 2 week holiday or preferably the summer holidays so DS could help train and look after it the first few weeks while we are at work... Would also give us some time to save...
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hi!
    Sorry I haven't been about for a while, have just started a new diary on MFW and plan to post more (I've been blobbing a lot)- I hope 20 12 brings you many blessings.
    2019 fashion on a ration 0/66 coupons
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Happy New Year
    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"
  • lucielle
    lucielle Posts: 11,577 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year SH.
    L
    Total 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 #124
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture