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Drawing a line under the debt. Take two.
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So less kitten chat, more money chat from now on. Well at least until the end of July anyway 😂
Hubby got paid so £100 went off the cc debt, must update the signature. Discussed the boys birthday present, also offered to pay him to sort the garden out next week. Will be quite a few hours work.
Sent my hours in, I am about £150 down from normal times. Expecting the same for at least the next three months. Once we have paid for the kittens and general cat paraphernalia, and for the doors our cash flow won't be great. I have 1k in premium bonds and £1200 in a regular saver so will be balancing cash flow on a cc. But no interest will be accrued. No news on the doors, will drop them an email next week just to touch base. Also need to chase the plumber. Again!.Debt free Feb 2021 🎉5 -
Good luck with the kittens. Hope your work gets back to normal soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
Just catching up - how exciting about the kittens! The two brothers sound ideal - PD was the antisocial leftover runt of her litter (it was 9 or 10 kittens, don’t really blame her) or else I would have got a sibling too.Fingers crossed for work, but sounds like you’re on top of the finances regardless 😀3
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Our house rabbit was the leftover runt and was a bit...duff 😂 the little one was very cute, but we decided the two bigger ones would be a better bet together. We may change our minds when they are chasing each other up the curtains 🙄😂Debt free Feb 2021 🎉4
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I do love a duff runt 😂 And yes, I bet they will get into all kinds of mischief together! I think it does help to have similar sizes as their rough and tumble should be more evenly matched (in theory!) Lots of fun to come when you do get them home 😀4
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So some cat stuff ordered/obtained this weekend. Two cat trees, two litter boxes (and need one more) brush and comb, feeding bowls and some toys. Need to place an order through hubby's work for food and they do a few other things too. The food they are on is expensive!!! He also needs to look at pet insurance through his work (actually I can probably do that using his login). But still have a decent chunk set aside for cat expenses. Need to contact our local vet to chat about microchipping and neutering.
Actually braved town this morning as wanted a mooch around. The girl has been applying for part time jobs, she would adore to work in either Water-stones or hobbycr@ft, neither are taking on (not a shock). She has heard back from one wanting more info, so may get an interview. In the meantime my mum helps in a charity shop every week but isn't allowed to ATM, so we are going to go in tomorrow to see if she can pick up some volunteer hours there, she is stupidly bored now.
Every thing is feeling a bit tight now moneywise. The loan is looking much better and hubby is waiting for his payrise to kick in this month. I updated tax credits and have lost a huge chunk, but this is to be expected. Need to contact the mortgage broker, may actually give him a ring now.Debt free Feb 2021 🎉3 -
Car broke down. Is now in garage. Have £300 in car maintenance. Feeling annoyed 😡Debt free Feb 2021 🎉2
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Sorry about your car. Hope the savings pot is enough.
The kittens sound like they will be fun when they arrive.
Hope your DD manages to secure a job.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
I swear the car knows when I have money set aside for any needed maintenance! Desperately want it to get through another year, as we would need a loan to get one, but could possibly downsize as we rarely go out as a family of six now. But we don't want to have to take on any finance before a new mortgage as this would impact how much we would be able to borrow. So annoyed about it tbh. I have spent over 1k in the past year on various things that have gone wrong. Luckily I have the £300 and can probably find another £200 if needed and we have a 1k ef too. But still so annoying. If hubby stays WFH for the majority of his week (looking likely long term tbh) and I wasn't doing my se work we could almost get away without having one for a few months.Debt free Feb 2021 🎉3
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Worst case I can probably borrow one of my parents cars, they are not using them both ATM.Debt free Feb 2021 🎉3
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