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Learning to live my dreams not trample on them
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Well today we celebrated my mum's birthday and dropped the kids off until Friday. A bit anxious as the kids haven't stayed there anywhere near that long before... My DD in particular was gorgeous and cuddly and hard to let go of.... It's always hard to go back to work after a week off too, you never know what you are walking back into and so far I've resisted peaking at my emails - I don't need the stress before bed!
Just hope I sleep alright tonight. At least today was a low spend day - £4.50 one way on the toll but we went a different route back. We've also agreed a pick up point about half way for Friday so hopefully that will be okay. Just hope the kids and grandparents enjoy their time together... It was a family gathering today which with my family is always stressful altho everyone was trying to behave!
Hope you all had good weekendsAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Well after a brief panic I've found all my work stuff and my work and personal phones are now on charge...
I know I should be in bed but I know I wouldn't sleep yet so catch 22!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
survived first day back at work the only problem is it has gone quiet at work - I've had to ask for other work to stay busy enough but I could be about to be deluged with work in a couple of weeks time so I can only take on short commitments - tricky!!!
Very peaceful here at home without the kids. We are planning to go to see Knight and Day on a cheap cinema deal Wednesday - I will try and get the tickets tomorrow.
Spent about £9 I shouldn't have done today....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Enjoy the flicks. You have to make the most of couple time without the kids. I bet they will have a great time.
The toll sounds expensive - good job you don't have to travel over that every day.
MilannJanuary spends - £587.580 -
Hi Milann - it was the M6 toll - very expensive but lovely to drive on relatively clear roads and less risk of accidents.
Not heard from the kids - taking that as a good sign! Work was a bit better today - been given some new work from a couple of sources so hopefully that will helpAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
savingholmes wrote: »Hi Milann - it was the M6 toll - very expensive but lovely to drive on relatively clear roads and less risk of accidents.
Not heard from the kids - taking that as a good sign! Work was a bit better today - been given some new work from a couple of sources so hopefully that will help
Deffo worth the £4.50 for the relatively peaceful journey, the 'proper'M6 is far too stressful at that point.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 gill nice of you to pop in....
Well I have just succumbed and ordered some wide ghds from Amazon - £20 cheaper than at my hairdressers. I have been making do with £30 ones but they take forever so I am hoping these will be much better and more to the point quicker! Will still be able to pay £1100 this month so still happy plus £170 to a card not in my original debt signature.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
ghd's are definitely the best. I bought mine second hand from ebay. I wouldn't buy anything else cos it's such a pain and takes forever. I think I have to go back to shoulder lenght hair though cos I'm not into doing my hair everyday.
DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0 -
Not sure if I'm showing my age or ignorance but.....what are ghd's??....... sneaks out quietly......January spends - £587.580
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Make of the best hair straighteners there is.DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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