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Learning to live my dreams not trample on them
Comments
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Hi Tirl - yep busy, busy, busy all the time.
Waited for tax credit helpline to answer 30 minutes - then 10 minutes on the phone to them. Should get rebate in a few weeks.
Been out to a carvery with OH cost £10.89
Not a lot else to add. Done lots of shredding, caught up on financial paperwork, still lots to doAchieve 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 -
glad you finally got the call sorted though ... i know its a hassel but it is worth it in the long run ..... every penny helps
carvery sounds lovely0 -
carvery was yummy - very filling!
I said to my OH - that phone call was worth £1K so definitely worth making! Proud of myself that I didn't leave it until the last possible day!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 -
savingholmes wrote: »
Done lots of shredding, caught up on financial paperwork, still lots to do
I'm guessing that this is the paper shredding and not the shred dvd that everyone is doing.
I need to persuade HMRC to stop sending me a tax credits form every year. DS has been out of full time education for 4 years now, so they send me pages of bumph to tell me that my award is £0Debts 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 -
me doing the shred dvd :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:no paper shredding - having to sort through a foot or so of papers kind of concentrated the mind. Since I hate filing, I shredded what I could!gilligansyle wrote: »I'm guessing that this is the paper shredding and not the shred dvd that everyone is doing.
Been a bit naughty spending wise today
£2 meringues - snacks at work but for the week
86p milk - week's work supply - annoyingly they had run out of the small ones
hazelnuts x2 £1.49 each pack
£5 DVD for our holiday
1 bag of choc nutties £1
1 bar choc aero for OH £1
one bit of good news - we are going to leeds later in the year and want to go to the royal armouries museum - and it is now free whereas I was expecting to have to pay for itAchieve 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 today - only spent £2.20 parking. Had rice pudding for lunch - brought it in from home... Topped up with meringues from yesterday lol!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 yesterday I spent about £10 I shouldn't have done plus about £2.20 parking. Good news today tho - no parking cost and only spend all day was 60p on water. I shouldn't have any parking costs tomorrow either!
I am working in the morning and then hopefully packing up to go away in the afternoon. I got my cleaner to do the ironing for me this week instead of cleaning so she will bring it back lunchtime tomorrow so I can pack it! She can clean next week when we are away.
I am off to a sunday school meeting tonight which is a pain as I would prefer to get ready for our holiday but never mind. I also may not post for a week of so as I don't think where we are staying has wifi or anything...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 -
Probably missed you now, enjoy the holiday.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 -
i'm sitting here when i should be packing as well ... not looking forward to my holibobs however ... hope you have mucho fun on yours ... although i am sure you will0
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Have a great holiday
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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