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WelshWoofer's Staying Debt Free Mission

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  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    Still have visitors - they're going after breakfast tomorrow.:j It sounds awful but its nice to have your house back isn't it?

    Been to see Apollo 18 today - its quite good, much better than the reviews - I used my last cinema voucher so it was free too. BUT I did pay for all of us at Pizza Hut before we went so a spendy day.:(

    I have sold a textbook on Amazon for £14 profit so that will get added to the Xmas £100 fund when it clears in the bank.

    I also popped into Mr T for hair dye and was overcharged at the till - the ticket said £5 and I was charged £7 - so I marched over to customer services and got a refund for £4 so £3 hair dye in the end.:T Then had a brainwave and did the Pricecheck thing and its £5 in A*da so I'll get a £2 voucher back hopefully:rotfl:

    Roll on tomorrow and normality!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi welshwoofer - just wanted to wish you good luck. I like how your diary reads - we're almost debt free but I still have a problem with fritter spends and not using up what's in my cupboard already before buying more - so we could be doing a lot better. Looking for fresh inspiration - and think I may have found it. You sound very focused!
    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
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    Morning Saving Holmes! Thanks for popping in!

    At last the visitors have gone:j:j It seemed like a marathon stay this time......
    So today is getting back to normal and getting ready for first day at work after 6 weeks off:eek:

    I've already taken the dogs to the park and picked a load of pears off the tree in the back garden for mum to take home and packed them off with a packed lunch for the journey home.

    The rest of today....
    • Do 2 loads of washing - bedding and towels from visitors
    • Quick hoover round and dust
    • Get clothes ready for work tomorrow (inset day) and first few days back in 'proper' work
    • Make sweet potato soup for tea
    • Stick to diet - been difficult with visitors but haven't gone mad thankfully
    • Maybe dye hair with bargain hair dye
    • Do physics scheme of work tidying up (probably about 2 hours)
    • Look at first few 6th form lessons again
    • Maybe do a couple of biology lessons if time
    • Stay in tonight and watch extra Corrie and Fred West thing
    • If the front lawn dries out mow it! (No one can see the back so that can wait!)
    • Update diary
    • Get textbook ready to send after selling it on Amazon
    • Go through meal plan for the week and jig it about if necessary
    • Have a rest in my lovely quiet house!
    Right better get cracking!
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    sounds like a busy day again planned for you. enjoy your space again, i remember when my parents used to come and stay with me, i loved them dearly but after about 4 days i was ready for my space again.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI WW

    Yes sound very focused... I moved to tada lists - so I could report what I had done rather than feel guilty about what I hadn't...

    Hope all goes well once you are back at work
    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
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    edited 4 September 2011 at 4:45PM
    Saving Holmes - I love a list! I wouldn't get anything done without one!

    Been quite productive and done all of the schoolwork planned and a bit more too, mowed the lawn, walked the dog, hoovered etc.
    In a weird way I'm quite excited about going back to work - I am a creature of routine!

    Not having soup for tea now - its turned out to be the warmest day in ages here! So its pasta and pesto instead - I'll make enough to take to work tomorrow for lunch, nice and cheap and easy.

    More good news - the other textbook I had an Amazon has been sold with a profit of £8ish.:j Not a million pounds but a few more towards the Xmas £100 pot, must be over half way now, I'll have to tot it up (God I sound like my mother!:rotfl:Good job they've gone home!) later. Now its 2 to post tomorrow - will do it on the way home from school before the post goes.

    I also found another Mr T receipt in my purse so have entered it on the pricechecker - who knows?
    I did get a £2 voucher today from them for the hair dye making it now the princely sum of £1 spent!
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    First day back in work and I'm knackered!
    Good to be back though - I like my job.:)

    Nothing much to report really - I posted the Amazon sales after work and a letter to the council about the council tax and took a packed lunch to work, so other than that very little in the way of moneysaving/making. I suppose I'll get paid for working so that can count too!

    Staying in tonight and getting ready for the onslaught of 1500 kids tomorrow:eek:
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi WW - even simple things like the taking your lunch to work do add up over the year.... I do sometimes take rice pudding to work or left over meals as I must admit I like hot food at lunch time... I think it is because we were on free school meals as a kid - and the lunch was our main meal of a day. We just had sandwiches at night or pancakes or a tiny bit of soup if we were really lucky... When I left home, I could barely eat a sandwich for years, I do eat more bread now but not as much as I did as a kid....
    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
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    I was very lucky as a child and had a mum that loved baking and always sent us off to school with sandwiches, fruit and some yummy cake/bun/scone. We didn't have a lot of spare money but I had (and still do have) fab parents that did everything they could for us.

    Evening meal plan for the rest of this week....
    Mon - HM sweet potato soup and bread
    Tues - more sweet potato soup (fat club day and need something quick as I'm always starving when I get back late)
    Weds - sausage bean stew
    Thurs - quorn fillet, new pots and peas
    Fri - not sure yet if I'm going out

    Fat club weigh in tomorrow - not looking forward to it after having visitors for all that time:(
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am doing tesco diets... How much weight do you want to lose? I want to lose 2.5-3 stone... Perhaps we can motivate each other?
    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
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