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  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Yey to a brand new Henry. Honestly I love mine, even if I swear he actually gets caught on the door frame on purpose, little smiling git :rotfl:
    Debt free Feb 2021 🎉
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ohshithowdidthathappen wrote: »
    In other news...

    - we went for the Henry hoover in the end, after discount it was £120 and that included loads of extra bags
    - I got 3 free boxes from Hello Fresh (3 friends sent me trial vouchers), so we got 9 free meals! Lovely... the box we had this week was lush.
    - I agreed to my daughter having 5 friends over for a sleepover for her birthday party... relatively cheap, but not stress free! But her other favoured choice of party would cost £250 plus, so we'll put up with the hassle of 5 excited girls for 1 night!

    For a five hour party that’s £50 an hour. And even if goes on and on and involves a sleepover it’s still a £10.
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    500 Posts Second Anniversary
    Well done on the lower credit card bill!
    Sleepover sounds like a great party - most kids prefer that kind of thing over the out of the box parties anyway!
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great reduction on your CC bill. I was glad when my kids no longer wanted traditional parties. It made life so much cheaper and easier
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Uneventful weekend... working and painting!! 2 NSDs though

    Started Christmas shopping, trying to spread the cost across a few paydays! Being very mindful of what I'm buying and keeping lists
    Day off tomorrow = more painting... end is in sight of this particular stage as carpet is being laid next week.
    No other news really, all very dull :rotfl:
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Uneventful few days, just trying to muddle through until payday. It's been really long and arduous month financially and work wise, feeling a bit wrung out. We've managed to stay out of our overdraft and paid off the hefty credit bill (as mentioned above), so overall am pleased. Although I know the next couple of months will be tricky with Christmas expenses.
    Had a letter from water company, underpayment is nearly paid back (their mistake!) one more month and then DD reduces by £20 to £45pm, which considering it's for 7 of us is probably ok.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Debsnewbudget
    Debsnewbudget Posts: 911 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    You are doing so well
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    You are doing great. I was trying to muddle through this month as well. It was a hard one.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It has been a really tough month for lots of us I think. Well done for sticking with the programme and reducing your CC
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you DMB, CMD and SH..... hopefully next month will be less arduous for us all!!
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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