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Diary of an Ex - (almost) Spendaholic!
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Woo hoo it's pay day - £50 straight out of my accounts to pay more off my family debt.
I've loaded my food card for work up with £10.00 that should last me the month as I WILL only be buying soup for my lunch and will be bringing in fruit to go with it. I'll be skinny in no time (well until i get home and find the chocolate cake!)
Time to start work sop will sort out the rest of my budget tonight.Give a girl the right shoes and she can conquer the world!
Olympic number 1 5 5 come on team TLDM82 (I'm going for GOLD!!)
£4000k to go
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Just popping in to say good luck on your DF journey!!
£8649.42/£38,314.52 paid - 22.57%0 -
Well done on the reduced movie subscription and cancelling sky - and the lunch cost busting... Every little really does help - especially at the start of your journey. We saved £1000s just by sorting out our SOA, moving what we could to 0% etc and through the Make £10 a day challenge on the DFW board...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 -
Hi wanted to say well done rather than read and go. I've just started too so am keeping my eyes open for all the other new diaries.
We're doing the same as you for christmas presents this year. We'd normally have an amount and spend that (or more) even if wanted pressies were in a sale...we'd just buy more to keep to the amount. Not this year tho, DW has already saved £50 by getting the reduced presents that were budgeted at full price.
Anyway (im babbling again) good luck on your journey0
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