We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
£29,303...Enough is enough!
Options
Comments
-
The jam sounds lovely WK.
I always feel the need to become a home body this time of year. I spend far too much energy day dreaming of spending afternoons in the kitchen knocking up cottage pies and baked goods with a babe on hip.
SC was 10 last week and it's hit me really hard emotionally. I really do want to be a mummy again but trying to work out how we do that with Mr S has been a bit of a back and forth exercise.debt consolidated 16/8/18 £9,788.01/£12,618.12(Total debt at LBM 1st Jan '18 c..£19.5k)
EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8%0 -
The pear and blackberry jam is delicious starmummy. I love baking and batch cooking but please don't be fooled by the snippets of life I post on here. Being a working mum is hard work, a constant juggling act, and full of guilt - not spending enough time with the children, not spending enough time with DH, not feeding them the right foods...0
-
Yeah - we need to ditch the guilt. The standards have risen phenomenally - fuelled by Disney style moves rather than real life possibility. I like a photo going around fb of a pipe smoking 6 year old miner - the caption reads something like - every time I look at that photo I feel so much better about my parenting...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Current totals are:
Hitachi - £7,951.46
Barclaycard - £5,479.55
FD - £6,718.75
Total = £20,149.76
I've still got a BC payment to go out, which will bring me within £25 of the £20,000 barrier.0 -
So close to the £20k barrier - that's fab. Close to a third of your debt paid off now.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Current totals are:
Hitachi - £7,951.46
Barclaycard - £5,354.55
FD - £6,718.75
Total = £20,024.760 -
Hiya,
I haven`t read the entire dairy so forgive me if you`ve already done this but you might like to consider a water meter which brought the costs down massively.
Very impressed with your diary and what you`ve achieved.0 -
Hiya,
I haven`t read the entire dairy so forgive me if you`ve already done this but you might like to consider a water meter which brought the costs down massively.
Very impressed with your diary and what you`ve achieved.
Hi, yes I have thought about it as we've always had a meter until we moved to this house. We're now a family of 5 though, the children are beginning to take longer in the shower and we use a lot of water in the garden over the warmer months. I've used the online calculator and it says we'd be worse off with a meter.0 -
Just when things start looking up...DH isn't being kept on at work again. They haven't even given him a reason, just "you haven't been here long enough for us to have to give a reason". So, after spending last night deciding whether to use savings to pay down some debt, I'm now calculating how long we can survive DH being out of work.0
-
OMG that's terrible and so callous
wishing you well and lucky you have some cushion to give you a little breathing spaceI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards