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Prosperous soul in the making
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I love Sabriel and the others in that series by Garth Nix. DD1 was beside herself at the end of the third book when you know who didn't make it!
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 #1240 -
I found a cheap copy of Fearne Cotton's "Calm - The Journal" in The Works just after Christmas - it has a section for writing each day prompted by a question or a thought. I decided right from the start that even if I missed days that didn't matter as it doesn't have to be perfect - and I can always go back and write other bits as the questions resonate with me more. I'm finding that I love taking just those few minutes to read the daily prompt actually stop and think about it, and then write what feels "right" for that day off the back of it.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
I got Becoming for Christmas 2018. I really like the Obamas and I really want to read it. Just haven't been able to get myself into a book for a while
Thank you for your comments SH. I read what the seven habits were of that book and that was all I needed to read.
Hope some of them help someoneMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Hope physio went well today. Thanks to the last few posts on here my reading list for 2020 has just gotten a little longer0
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An online book club in the making. Thanks EH, GAP, Lucielle and Dancing for commenting. You inspired me to listen again to 'Year of Yes' again. It was very uplifting - definitely worth more listens.... It is by the creator of Grey's Anatomy - and makes me want to re-watch that series too!
Physio was incredibly painful but she agreed the fluid had reduced. She thinks I need to work mostly from home for a bit if I got back soon.... I had a busy day. Physio. Then went to a pub and ate while listening to Shonda. Then took £40 of curtains back. Then had to go pick up DD from school.
I also plan to send some back to Amazon that I tried on the window but really don't like. DH says I can only pick ones he likes and he wants to choose with me so that could be interesting. I still haven't done tax reclaim - hope not too late. Will see how tomorrow goes.
Lucielle I adore Garth Nix - particularly the old kingdom stories - my favourite characters are Lirael and the disreputable dog!
EH - I love The Works too - always good for a bargain - but given my worst spending crime is fritter spending I am trying to avoid it. I fell prey to B&M and HB this week though - so need to add those to the list to stay out of / reduce time in.
Sweet dreams all.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Glad the physio has helped but yes definitely don't even think about going back to work too soon!
Good luck finding the curtains you want, have a lovely day.
H x0 -
Haha that chimes with me too - I can NEVER go into either B&M or HB without coming out having spent something!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
savingholmes wrote: »
Lucielle I adore Garth Nix - particularly the old kingdom stories - my favourite characters are Lirael and the disreputable dog!
I LOVED this book. The bit with the Stilken still terrifies me to this day, I don't think I've ever read that bit in full, and I STILL can't walk on glass in case I break it and accidentally release one :rotfl:Debt Totals July 2019::
[STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0 Total £7,0001 -
hugglemonster wrote: »Glad the physio has helped but yes definitely don't even think about going back to work too soon!
Good luck finding the curtains you want, have a lovely day.
H xEssexHebridean wrote: »Haha that chimes with me too - I can NEVER go into either B&M or HB without coming out having spent something!Silver_Queen wrote: »I LOVED this book. The bit with the Stilken still terrifies me to this day, I don't think I've ever read that bit in full, and I STILL can't walk on glass in case I break it and accidentally release one :rotfl:
Working from home a little tomorrow. I have physio anyway. Boss is going to come and meet me and do one of those 'return to work' chats and agree my hours and priorities. She says she will also feed me... :AAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Your boss sounds nice. Feeding you!
Like you I have had a little run of things that stress me out. Like you, I got through it all.
Have a good dayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253
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