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
Comments
-
Hi SH, you sound a bit fed up. Have you thought of the second hand ads for the bikes as they grow so quickly out of them and also money saving. Keep yer chins up.
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 -
How are you SavingH?Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hey Saving. How is life? You've been off for a couple of days, hope all is ok.
You seem to be doing well with the gym and weight loss, keep at it!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Missing your updates on here SavingH xTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi SH
how are things going?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 -
Hi SH, you've been MIA for a while hope things are ok.
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 SH, hope everything's allright. Still missing your updates here. (()))DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
-
Hi guys thanks for posting!! Nice welcome back.
I've just been mega busy with doing a course, working full time and working extra hours on top, my daughter's party and other things.
I am also not doing very well money-wise. We are consistently over-spending at the moment and I have very little motivation to do anything about it. It feels weird posting when I am not being very MSE at all!
Hopefully I can get back on track. We are planning a car trip across parts of Europe in the summer which currently looks expensive too! I've booked a hotel for a night in Folkestone and 2 nights in Paris so far -although I need to find somewhere out of the city to park my car and haven't got a clue where at the moment.... We then might take the kids to Belgium and perhaps also cross into Germany and Holland so they get more of a taste of Europe. We might be able to spend a couple of nights with friends en route... but at the moment hotels look like they might be cheaper than even centre parcs or euro camp style resorts....
My OH says we can afford it if we cut back majorly on our other spending so that's the challenge...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 -
Ah, glad to hear you've just been busy, was getting bit worried.
Holiday sounds lovely. We were supposed to go on the motorbike to my sister's wedding back home but she's postponed it so not doing that now.
It's hard to keep up with the debt busting all the time but I'm sure you'll get it under control soon enough. One step at a time
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Thanks Tirl. I will try and catch up on your diary soonAchieve 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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
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