We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Learning to live my dreams not trample on them

16263656768168

Comments

  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hope work calms down soon- there is only so long you can do manic in my experience!
    Glad DS cleaning is going well- maybe you should sign him up to the flylady thread!
    2019 fashion on a ration 0/66 coupons
  • bigzippy wrote: »
    I *may*'ve fallen a little bit in love with a Focus CMAX - Diesel Automatic - today. It's like a cross between a Focus family car, and an MPV - higher ride height and automatic,

    They are fantastic cars. I used to love my Focus until I changed it for a Fiesta,because there's only ever me in it, but now I do lots of motorway driving, the CMAX looks fantastic.
    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
    bigzippy wrote: »
    Cheers, I'm hoping it works out...
    I *may*'ve fallen a little bit in love with a Focus CMAX - Diesel Automatic - today. :D Only problem is that the house sale still hasn't gone through yet (mortgage processing is stuck in a Halifax backlog) and they're relatively rare, so I'm worried we're gonna miss out on the chance of a local one iyswim. There's only one within 40miles atm...

    Ouch to mortgage processing backlog:eek:
    They are fantastic cars. I used to love my Focus until I changed it for a Fiesta,because there's only ever me in it, but now I do lots of motorway driving, the CMAX looks fantastic.

    We would have loved a focus cmax - they are a nice looking car:cool:
    *Jellie* wrote: »
    Hope work calms down soon- there is only so long you can do manic in my experience!
    Well got struck down by the flu bug - Friday onwards, still recovering now. Kids have also been ill :(- so yeah people can only do manic for so long before something happens....

    It meant I had to cancel hair appointment, couldn't go to OH's xmas do and will miss my xmas lunch tomorrow! Not good
    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
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    They are fantastic cars. I used to love my Focus until I changed it for a Fiesta,because there's only ever me in it, but now I do lots of motorway driving, the CMAX looks fantastic.
    Unfortunately I've found out that the diesel auto 1.6 has an inherent fault on the transmission - which Ford charges £5k to fix :eek: - so it's really put me off. If there was a 1.8 version I could find I might be tempted. Or if the petrol mpg was alright.... Back to square one and don't really know what cars are out there that would suit what we need and can be bought in budget at Used. :o

    On the very UP side, we now have a completion date of next wednesday :D :T:j
    I don't envy the family moving 3 days before Christmas, but very happy that we actually have a date that IS this side of Christmas!!! DH & MIL go to the solicitors tomorrow to deal with the paperwork etc... can you hear the audible sigh of relief? :p;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Sorry to hear you missed the Xmas party and lunch. Hope you feel up to full speed soon.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • Hope you feel better soon SavingH! I suppose it is better that you get it over and done with before Xmas rather than be sick for Xmas day.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    bigzippy wrote: »
    Unfortunately I've found out that the diesel auto 1.6 has an inherent fault on the transmission - which Ford charges £5k to fix :eek: - so it's really put me off. If there was a 1.8 version I could find I might be tempted. Or if the petrol mpg was alright.... Back to square one and don't really know what cars are out there that would suit what we need and can be bought in budget at Used. :o

    On the very UP side, we now have a completion date of next wednesday :D :T:j
    Great news re completion date! Phew! On the car front - the meriva's egr valve fault at £500 looks cheap compared to that above then!

    The £100 we spent hasn't solved the problem so after xmas we may well splash out and buy the valve...
    tirlittan wrote: »
    Sorry to hear you missed the Xmas party and lunch. Hope you feel up to full speed soon.

    Thanks Tirl - donated my lunch place to a new starter so she was chuffed. Feel a lot better today. DD has gone back to school but DS still poorly but improving.
    Hope you feel better soon SavingH! I suppose it is better that you get it over and done with before Xmas rather than be sick for Xmas day.

    I think that is why I am looking after myself for a change... don't want it to linger on over xmas... Hoping I might get to eat properly today.

    I got OH to bring us home a rotisserie chicken yesterday so had one meal all day... Need to do a bit better today but just had no energy
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Got a statement today on the card I was worried had paid late - due to faster payments the money had gone thro on time so that was a relief!
    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
    Hope you are feeling better.
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle - getting there slowly!

    Had to pick DD up from after school club practically straightaway as she burst into tears - that meant I had to get dressed in double quick time and walked 0.6 miles each way to get her! She was grateful tho. She insisted on going back to school but it was party day and I think she over did it. DS on the other hand at one point was trying to avoid taking tablets as he didn't want to return to school yet! LOL!

    I think I will work from home tomorrow... they are being very understanding at work which is refreshing!
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.