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Learning to live my dreams not trample on them
Comments
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You will get straight - a few more months in the grand scheme of things isn't too bad. Think back to those long hours when you hardly saw your family - it has to be worth a little longer to straighten the debts rather than wear yourself out.
You have found a new job - got renewed plans and refound yourself and family. You will get back on track
Job sounds promising.
When is dd's birthday party - bet she'll love it.
Take care and enjoy the job
MilannJanuary spends - £587.580 -
Thanks Milann - you are right - it is just a bit disappointing. I do have a balance transfer offer somewhere that I can use up to the 28th April... may be worth doing....
I am finally at my real base today so that should be interesting but am in a really long meeting. I am also going to have to stop off somewhere to get change so I can park. I am dropping DD off at school first so no time to walk....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 -
I'm looking forward to the time when I can be really 'grown up' and pay my car insurance from a savings account that i've paid into monthly over the year.......that really would be a first!
Hope today was a good day.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
There are never enough days in my salary....:rotfl::rotfl: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 365 and Chrisblue
I can relate to both of you!
I did get some good news today. Apparently I get paid 2 weeks in advance and 2 in arrears so first wages should be good.
I seem to be doing okay at work so far and everyone is still really open and friendly so hopefully every thing should be okay. Was home for 6 today including picking up DD despite leaving work at 5.25pm!
Want to try and get in earlier tomorrow if I can so can leave earlier! If I don't make it up in time - I may decide to work a slightly short day and make the time up next week!
Hope you are all doing okay.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 was home just after 4.40pm! Really pleased about that! OH had got home early too! DS brought DD home saving me £7 even after their 50p each bribe!
Need to be good spending wise this weekend! Having bangers, mash and beans for tea - yum!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 -
Hi savingholmes
On the mileage rate for business use, you may find your tax code goes down, mine just has - now paying extra £180.00 a year tax
... 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 chris - I assumed they would just tax the extra - I know it will be taxable but they can't just tax me more than they should!
Also found out today I have to join the pension scheme and won't get a refund. Probably a good thing... need some savings for retirementAchieve 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 its going ok and the hours seem to suit.
your travel shouldn't affect your tax code, its just taxable so should be deducted at source.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 -
thanks gill - just need to cut down my fritter spend, take my lunches and things like that....
I need to work out what I do want for my birthday and make sure it isn't going to blow the budget totally! Luckily I will have been paid a few days before but as I say finances are due to be tight until around July!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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