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Learning to live my dreams not trample on them
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Well found a bank statement that goes up to the 24 Dec which looks reasonable - so hopefully bank account still fine even tho I've had no access for about 2 weeks. It's my cashback card I am worried about... just checked - its been paid something - perhaps not enough to clear December's balance but enough to keep my record clean! Really need my pin sentry device to come!
Waiting for about 5 parcels at the mo - wouldn't mind but slow has been cleared here for a while!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 -
Hope you are feeling better - these streaming colds going about are awful. I had it over New Year - started on 28th December and only just about feel like myself again. DH has had it too and it's hit him much harder than me - he's actually agreed to go to doc tomorrow - unheard of. I'm So my sympathies are with you - it's good you get the chance to work from home. Take care.
MilannJanuary spends - £587.580 -
Hope you are ok SH. Get Well soon vibes coming your way.
MilannJanuary spends - £587.580 -
Get well soon SavingH
xxxTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
How you feeling today SavingH? better i hope. Everyone i know is ill at moment with colds etc..DEBT FREE - MARCH 2012 - NOW JUST THE MORTGAGE!
MFW 2012 No.148:£1600 / £450.00
Mortgage - 102,57.160 -
Thanks milann, cmd and yargo - I am afraid I am still ill and now off work. Sinusitus - and temp of nearly 100 / 38. So feeling sorry for myself
Pin sentry has now arrived so at least have bank accounts back in orderAchieve 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 -
poorly you...hope you get better soon!DEBT FREE OCTOBER 2012!Proud to have dealt with my debts!0
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hi Tirl - hope you are okay
Feeling a bit better today.
Managed to get back on top of money a bit this afternoon. Have gone thro the budget planner and renamed 3 savings pots online - 1 for gym and holidays, 1 for gifts and 1 for transport....
So hopefully rather than trying to pay each major bill as it comes up - planning to save around £500 pcm towards annual bills - will try and pay £800 pcm off debt and then try and live within our means beyond that...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 -
OH and I have also agree £10 each a week "free spend" - and that this doesn't have to cover work lunches or clothes... could be fun!
We've also allowed a bit more for eating out and taking time out with the kids
Trying to create a budget we can actually live with and that doesn't feel like a chore. Rather than always feeling guilty about the grocery spend - I've put it in for a higher amount... Lets hope this approach works!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 -
Was going to try and see if I was up to doing some work from home today - but it took me half an hour to hoover the lounge (in prep) as kept having to rest and felt really breathless! So I think my body is still unhappy and ill! I weighed myself today - and appear to have lost 6lb in a week which is about the only positive I can find at the mo!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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