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Learning to live my dreams not trample on them

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hair looks nice

    eyes still irritated and irritating!

    Worked an extra hour and half tonight to make up for appointment tho so struggling to get anywhere.

    Another early start tomorrow and Friday - lots of meetings but at least they are local.

    Night night
    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 10/10/25
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Heres to keeping busy. Don't forget to take time for yourself.
    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"
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi gill - the flowers are still looking lovely and going strong

    Work was mega busy again today... Came home went to the gym with DS - looked around and he had disappeared! He had set off to walk home without permission - I was really worried (and angry!) Scared me to death... I looked for him at the gym for about 15 minutes, tannoyed him twice etc

    He is now grounded and his keyboard and mouse have been removed!!!

    I've spent the evening trying to calm back down!!

    I am having a friend round to lunch tomorrow but the plan was to have jacket spuds but OH has peeled them all! I can't win!

    Luckily other than that everything is fine 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 10/10/25
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    You must have been so scared - its so easy to get angry when that happens, but they just don't realise. At least your OH did the spuds! He probably thought he was helping.
    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"
  • milann
    milann Posts: 11,506 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Bet you were so worried about ds going off like that - propably thought he was doing good getting exercise.

    You are certainly getting better value for your money than I am - but I have been a busy girl socialising this week - dh thinks the birthday celebrations might run into Christmas as I keep saying 'after I've been out with such-a-body...I'll start watching what I'm eating' LOL - he might just be right cos I'm out again this and next weekend!! I have been going to Tai Chi though and am booked in for aqua aerobics on Wednesday - so am am breaking even with it.

    Milann
    January spends - £587.58
  • milann
    milann Posts: 11,506 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I meant to say getting value with gym membership!!:o

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI GILL and Milann

    Had a friend here for lunch - we had omelettes

    DS in now offering to do jobs for me to earn his computer back... I like it :)

    He has cooked tea - meatballs and pasta and sauce

    He is now sorting thro the dodgy piles of stuff in corners of lounge - (on my personal housework list LOL

    I am shattered it has been a full on week!

    Just made a £28.01 payment and arrange to pay off my cashback CC in full - an eye watering £1450 which unfortunately will be using overdraft facility

    I did get 3 CC bills last weekend which were all 0 balance so it is an improving picture...
    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 10/10/25
  • lucielle
    lucielle Posts: 11,587 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Always satisfying getting a cc bill and its at zero.
    L
    Total 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 #124
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    savingholmes wrote: »
    DS in now offering to do jobs for me to earn his computer back... I like it :)

    He has cooked tea - meatballs and pasta and sauce

    He is now sorting thro the dodgy piles of stuff in corners of lounge - (on my personal housework list LOL

    You have got him sooo well trained :)

    Enjoy your weekend.
    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"
  • milann
    milann Posts: 11,506 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hope the sun is shining near you and you are having a good weekend.

    I think we may have lost the plot here - we've uprooted a good half of the garden to redesign and rearrange dh's train - he was bored now it's finally looking good (he enjoyed the planning and making stages) - the garden looks like a major disaster area - it shouldn't cost much to do. Just hard work re-making the rockery replacing the track then re-potting and splitting the plants. I MUST BE MAD!!!!!! At least it was a NSD LOL LOL LOL
    January spends - £587.58
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