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£29,303...Enough is enough!

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  • Starmummy
    Starmummy Posts: 537 Forumite
    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% :D
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    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...
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • Current totals are:

    Hitachi - £7,951.46
    Barclaycard - £5,354.55
    FD - £6,718.75

    Total = £20,024.76
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    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.
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    janb5 wrote: »
    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.
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    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.
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    OMG that's terrible and so callous

    wishing you well and lucky you have some cushion to give you a little breathing space
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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