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Swimming BEFORE we start to sink.
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Well done on grocery spends.... mine have been better this month tooAchieve 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 -
Had an offer in work today to buy a £10 box of chocolates for £1 so ordered them. That's another christmas present done.
Also hubbies payslip turned up and it's not as bad as we thought.
His pay is still tight, but will give us some breathing room to get through the month, til I get paid. Once we get some of the bills I pay down we'll be a lot better off.
Got a confirmation from eBay that my account will go back to a personal one within 72 hours, so that means I can take advantage of free listings which will be good.
I went to bed at 7.30 last night.....was shattered for some reason, but it's done me a whirl of good.
Oh just remembered too that i went to treat myself to a coffee this morning, but then my boss turned up and paid....I count that as a saving. :TYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
YEAH!!! Just grabbed a bargain bike from the grabbits board. That's one of DS's presents sorted. :TYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
sounds like a good day to me. Nice when you get the kids pressies at the right price. Free coffee always handy tooAchieve 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 -
YEAH my eBay account has just turned back to a personal one.....and the free listing that comes with it. :T Now what junk can I find to list?
Thinking while typing I might just have life a little bit easier too with my new iPhone. If I take a picture it automatically syncs to my mac, meaning no more putting memory card in the side and importing pictures from my camera whenever I want to sell something, plus 8 MP camera is just as good as my 12MP 'real camera' when it comes to listing. mmmm what can I see to sell. :rotfl:You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
FINALLY!!! :T
I've just ordered my first voucher from doing surveys.
£15 winging it's way to me. I might have to start a survey tally in my signature so I can see that it's worth while. You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Aiming_High wrote: »FINALLY!!! :T
I've just ordered my first voucher from doing surveys.
£15 winging it's way to me. I might have to start a survey tally in my signature so I can see that it's worth while.
:T Woo hoo, well done AH :T
Great news on the bike too. You've reminded me to have a look at the grabbit board. Haven't been there for a while, so off to have a look
.
BeenFull LBM 26 Sept 110 -
I hope you found a bargain.

Won with breakfast this morning (our regular sunday treat if working, and don't spend on dinner as still full), as my boss paid. :T Love it when that happens.
Got a busy week this week. Hubby has the half term off, so I'm working more hours. Nearly 40 instead of nearly 30 - all helps when debt busting, plus means I should be able to get hubby to clean the bathroom too. :rotfl: we'll see if that happens.
I'm getting frustrated slightly again.....I want to pay more of debts, but can't see if happening quick as eBay has nearly dried up...will be working on that but with working lots at the moment and not having something ready I'm not actively looking. I think I have another payment on the way from paypal - just checked, one due monday but nothing after that. Need a kick.
OH's payday on Tuesday though. :T Most of it goes on standard bills, but I'm hoping we can keep things going so have some left to pay off a debt. Glad that the bike I got for DS came out of the bank though and didn't add to any debt.
Off to get some washing sorted out (I'm still responsible for that...) and maybe see if I can find something/anything to list while at it. :AYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Well I've just added a few more totals to my signature. Mainly the 0% ones so I can see more going down and also with one - know when to stop paying. :rotfl:
Had a paypal transfer through today which I'm going to pay off the CC in a minute and it's hubbies pay day tomorrow. :T Can't wait till some of the figures become big fat 0'sYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Hi AH - lovely to see your progress. Great about the survey withdrawal too!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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