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Learning to live my dreams not trample on them
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Thanks Gill - yeah cherisong did say that!
Well...- Fed DD took her and DS to gym swimming (she drove me mad!!!! so jealous every time I wasn't 100% focused on her or talked to her brother or whatever!
- Were in there an hour and half so felt virtuous
- OH fitted ABS part on his bike - cost to us £25 -:money: quote if the garage had done it £130!!!:eek:So really well done OH:T
- OH met us at the gym but too late to join us in the pool - so he just booked his health check and induction - he has promised to go in the pool with DD tomorrow... She is 7 and really that is the main thing that is there for her...
- DS has put pizza in the oven for him and poss OH
- I've just chopped up some carrots and steamed them in the microwave... still planning to eat left over cottage pie - it is that scrummy and moreish I am quite happy to have it again!;)
- I've brought both quilts in off the line so feel a) really virtuous and b) really chuffed the weather cooperated
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 -
Relaxing evening sounds good - how's your knee now?
I did half an hour swimming - managed 20 lengths - and am sooooo stiff now - DH been laughing at me walking like an old woman LOL - I was so chuffed - don't need to rejoin until mid October (my old membership hadn't run out - I thought it had in July)
Your little ones are back early to school - they don't start till next Wednesday around here.
MilannJanuary spends - £587.580 -
hi milann - yeah you broke up much later than us too tho... DD was back yesterday but DS not back until Monday
Well done on the swimming - I did 18 lengths Monday and was pretty proud of myself too! Hope the stiffness goes 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 -
my tada list for today
got up!:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl: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 its a start, well done.
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 -
Well its a start, well done.
L
Love it! Guess you are back from London then!
Well my updated tada list- Did free scratchies
- Got DS to unpack dishwasher and then I packed it again
- Got OH to unpack dishwasher
- Made dinner - chicken with nutmeg, aromat and a tiny bit of garlic paste with potato mash (DS peeled potatoes) and carrots and peas. Also did some onion rings, mushrooms etc and gravey - yummy
- DD laid table
- Then I part packed the dishwasher again... Need to finish off:o
- OH went for a haircut while I entertained DD
- Then we went to the gym for a couple of hours
- Then OH made me an omelette and the kids some other tea
- I then nipped to Asda and Tescos - spent too much - but some of it was the start of xmas shopping!!
- Watched vexed and messed around on the laptop
- OH put DD to bed
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 -
PS bought myself some whoopsied flowers - down from £10 to £2.50! Chuffed with that!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 -
Back tomorrow. Well done on the list.
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 -
savingholmes wrote: »hi guys - my updated tada list
- Put other half of quilt in the wash
- Been for my gym induction and health check
- Guy seemed a bit shocked at my low fitness level - he wants to build up my stamina and get my breathing right before I "even" start level 1:eek:
- He has given me a 4 week plan - but wants me to come at least 4 days a week - he wants me to exercise more days than I don't:eek:
- He wants me to do 5 minutes bursts on the treadmill, rower and cross trainer x 3 with a breather in between!!:o
- He thinks only cardio will shift my weight and build my stamina and doesn't even count swimming into the equation as he says it burns too few calories!! (That will be why I feel more at home in the pool then :rotfl:)
- I did one circuit today and went home - had to sort out some new key fobs as our cards don't scan and bought DD a woggle to help her with her swimming
- Drove home
- Just walked 1.2 miles picking DD up from school and coming back again:j
- Hung quilt out to dry
- Got DS to bring chairs in out the car (from yesterday):o
:eek: That's one scary fitness guru you've got yourself there. You haven't inadvertantly joined the army have you?
PS what's a swimming woggle? I thought a woggle was worn by scouts to keep their neck ties on0 -
Hi Lucielle - hope the trip away is refreshing!:eek: That's one scary fitness guru you've got yourself there. You haven't inadvertantly joined the army have you?
PS what's a swimming woggle? I thought a woggle was worn by scouts to keep their neck ties on
Funnily enough I thought that he might be ex-army reminded me of a drill seargant.... Recommended him to OH :rotfl:for his induction :rotfl:
A swimming woggle - is a 3ft or so long rounded piece of thin foam that help the kids get more confident in the water...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
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