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Learning to live my dreams not trample on them
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Good luck with your new diary
I look forward to keeping you company on your journeyTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
You're all lovely! Thanks for joining me.
Well ended up buying DS a new orange coat (suitable for cycling too - dayglo orange and black) £19.99 reduced from £60,
no fear shorts £10.99 and
no fear swimming shorts £7.99
drinks bottle half price at £3.99 but should clip to his bike.
He was really chuffed. He bought a Tshirt with his own pocket money £5 no fear - and was interested in a hoodie at £12 but I said no... He could buy it himself if he had the money but he didn't need it.
We shared a pack of chips between us so felt reasonably virtuous. Did I mention the 3 mile or so walk.... LOLAchieve 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 -
Shiny new diary thread for a shiny new startsavingholmes wrote: »Well ended up buying DS a new orange coat (suitable for cycling too - dayglo orange and black)savingholmes wrote: »...and was interested in a hoodie at £12 but I said no... He could buy it himself if he had the money but he didn't need it."I am indelibly stained by hope and longing" - Nuts in May0
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Look at you with your new diary! Great stuff.0
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Hi:wave:
Can I ask how you manage your to juggle your time between setting up a business, studying, working, book writing, home and children, internet....Do you have a strict timetable as to what you will do when? I'm trying to fit study (law) around work and I find it all a bit overwhelming a lot of the time. Looking for inspiration:)Total debt 11/1/2011 €5350.65Total debt 12/12/12 €3222.31CrazyClothesChallenge 2013 #006 €34.08/€5000 -
Hi savingholmes, Good Luck with "the next step". Look foward to reading progress through new diary...DFW'er - Lightbulb moment : 31st July 2009 - £18,499
28th October 2019 - £13,505 - 27% paid off.
Demolishing my House of Debt.. one brick at a time!!
Thinking of spending???..YNAB says "NO!!!!"0 -
hi mags, bz, csa and Chris blue - thanks for posting.
Today is my first day in my new job. The kids have started the day well by shouting and screaming so I feel so rested not!!!! Luckily I don't have to be in until 10am so I can drop the kids off have half an hour of peace while I do my make up and have a coffee and then set off. OH has gone off to see a specialist to see if there is anything that can reduce his snoring and improve his breathing in the night - that would help both of us! It did however mean I was stuck sorting out the kids on my first day in work since Jan!
Mags - I do what I feel like doing at the time. I have a running list in my head and go through it. Housework is never a priority. I read somewhere that JK Rowling said she did no housework for 4 years while she wrote the first Harry Potter books !!! I would be similar :rotfl:
With the coaching stuff it is for me and only me at the moment - its not yet a paying concern so fairly low pressure. I have a target to write at least one blog per week but other than that not too bad. I am not yet studying but am a fast reader so burn through books in an afternoon that might take someone else a week or more. I do twitter and business facebooks updates as and when I feel like it....
My book... is currently stuck........ Part of it was on a memory stick and I can't find it. I tend to find though the busier I am the more I get done so I am hoping that I will feel more motivated to achieve once in my new job.
My children are a priority. So I have my laptop in the lounge so I can do internet stuff and still be sat next to my daughter. We go out for 1:1 treats with the kids individually or perhaps watch a programme just with them as a way of giving them quality time.
I have a cleaner as I am not gifted in that direction and it saves arguments and keep us hygenic LOL! I pay £23 a week for 3.5 hours - worth every penny!
Good luck with prioritising. Perhaps keep a diary of how you are spending your TIME and why - and then work out how you could spend it more effectively. So do you need to give yourself a treat to motivate you to study before or after your study etc....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 -
Hope you come home really happy from the first day at your new job:)
Thanks for the reply about the time management, loads to think about there. I'm also jealous of how fast you can get the reading done!Total debt 11/1/2011 €5350.65Total debt 12/12/12 €3222.31CrazyClothesChallenge 2013 #006 €34.08/€5000 -
Best of luck!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hear hear to having a great day at your new job! I hope the staff are friendly and you settle in easily"I am indelibly stained by hope and longing" - Nuts in May0
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