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Buffy Keeps on the Straight and Narrow
Comments
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EEEK EVERYONE HAANG ON!
It is 3423
not 32432
The tax office aren't that bad!Nevertheless she persisted.0 -
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Oh dear Sorry IndigoWarrior and Beanie, I really need to check when I type numbers!
I have a feeling I did this before as well!
Huge apologies!Nevertheless she persisted.0 -
Well its still blooming good BUffy.
Enjoy
If anyone deserves it at the moment it is you xxxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Its still a great amount! What a great reward now your DF again. No Spend November 2/15 and SPC 1340
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Well I have been planning and replanning! As you can imagine.
Aims
Ten thousand pounds in savings by December 2018. May as well set the bar high!
Plus
1000 in the Big Emergency Fund
500 in the Little Emergency Fund.
800 in the Summer fund
500 in the Christmas Fund
Really need a car fund. I have a feeling mine will need replacing
Also I would like to get a summer house for the garden. Bit Frivolous but it would be good to have some where sheltered for Mum to sit.
And me frankly!
Nevertheless she persisted.0 -
Your goals sound good.
Summer house sounds good I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Still a good amount to be owed Buffy, the first figure was better though :rotfl:
I'd like a summer house.
Glad you have some plans on the go I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Hi Buffy - I'm back and have caught up on your diary. So sorry to read how rough it has been. You are doing amazingly well just keeping going and staying debt free. Make time for you - it's not selfish, it's essential. On the Denplan thing - I was like you and put off seeing the dentist and ended up with massive bills. Now my dental work is up to date I am on Denplan at a cost of around £30 a month....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Great news about the tax rebate Buffy, although I wish it had been closer to 30 grand for you...
I just want to give you a massive cuddle - you sound so run down and fed up. I get like that sometimes and it's not sustainable for a long time as you and I both know. I really hope that you're on the up soon.
Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=10
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