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Prosperous soul in the making
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Sorry you didn't sleep well. 3 am is a horrid time to be awake. Be kind to yourself today as you will be feeling very tired. X4
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There's a lot going on in your life, hopefully when you break up some of the stress will calm and sleep will come naturally again.
Not long now, just a few more days!Mortgage started 2020, aiming to clear 31/12/2029.4 -
I was kind to myself but little is going to plan. DD was given the wrong info about 8 hours of real exams in Jan so the class has wasted 2 weeks on the wrong topic. She was distraught. She will need to go in for that topics lessons where I was planning to pull her out after tomorrow. I also ran DS
Around to get meds but DD's still aren't there.
DH should now be off but got told today he had to finish a course first. It normally takes 3 days. Not impressed. Can do from home but wrong.
In better news I have been paid so paid target cc £700. I am also down to one present left to buy. NT membership.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/257 -
With our cleaner having skipped last week our house has descended into chaos. Not helped by Xmas decorations down from the loft but not quite all up.
Oh well at least target cc is down to £4000. May find out DH's mini Xmas bonus tomorrow if he gets one. His payday is Friday. My bonus still hasn't come but should be around £250 all being well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/257 -
How annoying about the exam and DH's last second training.
Will your cleaner be able to squeeze in a visit before she breaks up?
CC has gone down nicely!Mortgage started 2020, aiming to clear 31/12/2029.3 -
Just caught up with your diary. Wow you have been busy. No wonder you are struggling to sleep!!2
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All sounding very busy. How lovely to have a cash windfall. Agree about the chaos Christmas decorations bring to the house.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
Hope your cleaner manages to fit you in before Christmas. And great news about the Credit Card. Nearly there...What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
Thanks Tahlullah, MF, Relieved Shef and Lucielle - just adding a 0 to the balance on CC - £400 instead of £4000 was very wishful thinking. I am trying to do training this week but my brain feels to full. I am picking up our team's xmas vouchers tomorrow and giving them to me and my team which is nice. £250. Will be a big help. DH is getting an Am**** voucher for £50 from his work. They are talking about possible payrises next year at his work - which would be the second year on the run. His company is very sporadic about payrises so it would be fab if it does happen.
I can't wait to finish - as I say - my brain isn't functioning anyway.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/257 -
On the cleaner question - she normally does Wednesdays but if her DS started his isolation last Wednesday it won't have finished yet. Then she's due the 23/12 - but that feels very close to xmas. But our house looks like a bomb has gone off in the fortnight since she's been so the other side of it is it would add greatly to our mental health if she did still comeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/256
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