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Learning to live my dreams not trample on them
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Thanks jellie, gill and luchelle
Had a good weekend. Done lots of declutterng, tidying and some entertaining
My sis had the kids which was wonderfulAchieve 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 done SavingH on getting under 10K!!!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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savingholmes wrote: »:TThanks guys
Paid one of my cards off to - so that is £2892 paid off on that since mid Sept! Woohoo (3 pay days tho
)
Debts now £9371!!:j:T:j Finally debts going in the right direction!
Well done on getting under 10k. That is an amazing achievement. You are doing so well Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Well done SH Things are starting to look up
xxx :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
I'm really pleased for you - being made permanent WOOHOO and below 10 grand too.
I'm really behind on the Christmas shopping front this year - I've been saving so have it all accounted for - just have NO idea what to get this year - will have to have a good trip around the shops fairly soon me thinks!!
Christmas will be totally different this year - it'll be the first year I won't be at home for Christmas dinner - going to see my dd. I'm looking forward to it but it will be strange.
MilannJanuary spends - £587.580 -
Thanks Tirl,CMD, Bevan and Milann!
Yeah generally things are looking up. Generally way too busy which is why struggling to get on here. MIL was here today - so major tidy and clean up plus cooking sessions as it was her birthday. Also decluttered DD's room after MIL had gone so on top of 6 bags taken to the tip this morning, have now filled another 3 bags of rubbish plus a couple to give away...
Major car trouble at the mo - could cost about £500 which could do without - trying to find a cheaper garage!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 -
Pants to car troublesavingholmes wrote: »Major car trouble at the mo - could cost about £500 which could do without - trying to find a cheaper garage!
Still not sure what we'll end up doing about cars...:huh: "I am indelibly stained by hope and longing" - Nuts in May0 -
They are saying could be a really bad winter again in which case wonder if should bite the bullet and buy a second car again but can't really afford that either. Motorbiking on ice and snow for OH is no fun.
Very cold and icy here today but only get a smattering of snow yesterdayAchieve 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 -
We've got no snow either, there was a sprinking overnight. Can't be fun on a bike in this weather.
I was thinking of you before, looking for a 'baby girl' card for a neighbour's daughter, and found one made with your stuff.
Have you still been going to the gym?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 -
Gill - Aww to the baby and finding the card
Not been going to the gym enough no - work is just so manic and I just feel exhausted. My cleaner retiring has stolen lots of hours from my free time too which is a pain as has being hospitable LOLAchieve 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
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