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Learning to live my dreams not trample on them
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Well Friday's tada list
- Took DD to school (OH still poorly - petrol saving tho on him getting to work :rotfl:)
- Took lunch with me saving me around £3:T
- Only had to pay for part day parking - saving me 70p!:D
- Worked a full day plus a bit more - so still in credit flexi-wise which is good as I have a couple of appointments next week
- OH and I had some cottage pie for tea (Price per portion less than £1:money:), kids chose to have a tin of something half price at 45p each so I didn't mind! Got them to microwave their own
- Got stuff together and took kids to gym.:T Did a wee while on the treadmill then went "swimming" with the kids for about 45 minutes - felt very virtuous but also completely shattered!
- Got OH to put DD to bed
- Messed about on mse and free bingo and scratches for a bit
- Went shopping - bought a few more wrap ups for xmas / birthdays / parties and some groceries
- Used a £7 voucher :money:at Mr Ts and bought part of my Dad's xmas present so that was good... It was a £7 off £50 spend so I took a calculator with me :money:
- Got OH to put most of the shopping, away, I have then done most of the rest but must confess there are a few bags left for tomorrow:whistle:
- OH and I declutterd a box of matchmakers...:EasterBun
- And I will shortly be off to the land of rest...
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 -
You've just reminded me that with the move I've completely lost track of chritsmas pressies I bought. Was planning to use tesco vouchers for magazine subscriptions for most of them so I need to check out how early I need to set it up!2019 fashion on a ration 0/66 coupons0
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hi jellie - I once got a magazine subscription for Psychologies - I was delighted... I've since got women and home as well...
Well my tada list for today so far- skipped breakfast :rotfl:
- made lunch pork loin chops, roast potatoes, peas, mushrooms, onions and gravy - less than £1 per person
- read lots of mse
- did ebanking
- played free bingo and scratchies
- got everything read and then went as a family to the gym! I did the gym bit for na hour or so (including recovery breaks:rotfl:) while OH was in the pool with the kids. Then went in the pool for an hour
- Purposely took cash to limit any spending but did nip into MrAs on the way home and most of it went! £4 on some food storage boxes and the rest of junk!
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 -
Psychologies was one I was thinking of getting. I do enjoy reading it every time I buy it! Then again I love magazines so there is a list of possibles to narrow down!2019 fashion on a ration 0/66 coupons0
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hi jellie - well as well as tesco deals - you could also try the magazine group via a cashback site and see what rate they offer you....
Oh well my latest tada list- sat with DD while she watched Merlin, strictly and the xfactor... I was mainly reading mse stuff
- gave DD tea - told rest to sort themselves out! I eventually had porridge - so super cheap meal
- got DS to unpack dishwasher then I packed it yet again... Realised how mucy I am packing the rubbishing thing (as opposed to OH) so have now instructed him to unpack and pack it again when it is done!
- I have put all our gym stuff in the wash - all the rest of my washing is still waiting for my attention incurring another WHY ME moment....:p
- realised couldn't do Mr Big stuff yet as had youth group/sunday school prep to do so now done youth prep complete with some puzzles / games to get their minds working - here's hoping!
- remembered I'd promised to help someone out
- and finally checked my email for details - and sent an initial reply!:cool: Plus deleted all the other carp while I was there....
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 thought I'd spend some time today thinking about what I want from life... probably inspired by MG and co...
I wrote back in March
2010 is my year to.....- Discover who I really am
- Discover what else I can do
- Find out what I really enjoy doing
- Make time for me
- Take time to learn, develop, grow
- Make more time for the family - done this
- Develop other skills - done this a little
- To embrace my core values and not to fight them - my job supports this... however there is more I could do
I also wrote that to have a life that is happy, challenging and fulfilling I need to make positive proactive decisions rather than just going with the flow..... Plenty more work needed there
I also wrote in a mind map no less! That I wanted 2010 to hold the following for me...
- Want to be fit, slim and healthy - now going to gym which should help
- Want family to be fit, slim and healthy- now going to gym which should help
- Want to have a greater willingness to take risks and embrace change - resigned previous job before had new one, took new one on less money but which fits with coaching, joined gym, joined national trust, more still to do
- Want to do personal training and development
- Want work to fit around my family not the other way around - with flexi-time and being so local achieved this one
- Want to keep old friends and make new ones more still to do
- Want to do work where I am valued and appreciated - achieved
- Want to continue to repay debt - we are
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 -
SH
Good reflections, easy to just toddle along doing these things without actually realising the progress that's been made.
Am still working on my elimination list a la MG's thread, golly it's long.....DC.
"Some people walk in the rain... others just get wet... " - Roger Miller0 -
hi DC my elimination list would be extremely long if I ever took the time to write it down... I would need to do an inventory room by room before making a start on the different aspects of my life!!!! I think it would fill a book!!! There is a wee chance it could be clouding my productivity and mood ROFL!
Well my tada list for today so far- Got up etc
- Been to church - did youth group - seemed to go well - they seemed to enjoy the puzzles and illustrations I brought with me
- Came home - OH had shock horror cleaned the kitchen :j:j:j and peeled the spuds!:j:j:j
- So cooked chops, mashed potatoes, carrots, cabbage and peas for dinner with gravy - yummy!
- Chopped up some extra veg - butternut squash, sweet potatoes, leeks, cabbage, carrots to go in soup and started it off seasoned with salt and aromat.... Added some left over mash potato to thicken it and used the masher to mash some of the ingredients down
- Asked OH to repack and start dishwasher
Made a new friend :beer:
- Helped DD to melt chocolate and left her to make rice crispy cakes for DS to take to youth group tonight (cheaper than buying snacks and enough left for us too!):A
- Put a load of washing in the drier and started another in the washer - only about another 14 million loads to go!!:rotfl::rotfl:and breathe.....
- Plus mseing inbetween, playing free bingo and about to do free scratchies...
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 -
You've achieved a lot today. 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 -
Thanks Lucielle - I think as someone said to me last week it is important to celebrate what I have done, not just fret about what I haven't!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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