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Hugglemonster hits the debt hard!
Comments
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Hi Huggle, glad scan went ok, sorry your having to have bloods done again.
Your goodies from oli sound good, something i need to look into.2 -
Great about free food.
Lots of savings needed. Keep ploddingAchieve 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 29/7/251 -
Afternoon! Enjoy an afternoon watching sport - Winter Olympics and Rugby. Worked last night so not doing much today apart from washing kids uniform, done the dishes and need to get packed lunch ready as teaching all day tomorrow. Extra pennies which will come in useful.
Had a video call with a friend who is a Dietician, originally set up to help me with nutrition during long events but now starting again due to everything that's happening. Worked out that my fluid intake is terrible so this is one of the main things to sort out, I've started well just need to keep it up and make it a natural habit.
Not much change in terms of finance, savings for guttering is now up to £425 and first payment for computer goes out on Monday. Pay day from second job is on Friday so more to add to school fee pot.
I have a really busy time ahead with work so need to be organised, meal planning / batch cooking and also need to get a dress for an awards ceremony.
Hope everyone is having a lovely weekend, H x1 -
Hope you have good weekend xx1
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I’m terrible for not drinking enough water. Hope it helps.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 #1241 -
I find drinking more water makes a huge differenceAchieve 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 -
Afternoon all, had a complete day off yesterday. I achieved 3 things - made a sausage sandwich, watered 2 plants and ate a curry. It was lovely, kids were off school, dd half term started anyway and ds school closed due to the storm.
Today I've done a bit of work for a competition tomorrow, washed the dishes, clean the lounge, down some shopping and 2 loads of laundry. Tomorrow is busy with the competition and then on a night shift. I'm then off for the week.
Feeling ok although tired still, spoke to GP on Thursday. Bloods all came back ok, I have a small cyst on my ovary and some fibroids but nothing alarming. Going to try a small dose of anti-depressants and carry on with a good diet, exercise and water. See how that goes for a few months.
Work very busy, still no confirmation of my hours which is so frustrating. DH and I are looking at expanding my business a little to start a new session. Need to look into a few details before we go ahead.
Received a few payments so guttering fund is now at £505, dd school fees added and all bills paid. Next payments are more to my parents, a bit to ds trip and more to oven debt.
All very busy but going the right way, just wish work would stop being so rubbish with communications!
Have a lovely weekend, stay dry! H x1 -
Sounds like good progress. Hope tomorrow goes well. Sounds full onAchieve 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 29/7/251 -
Morning Huggle, i'm glad your bloods have come back ok, hopefully the anti-Ds, good diet and going into spring/summer (sunshine fingers crossed) will all improve your wellbeing.
Hope the comp goes well, take care xx2 -
Happy pay day! Last full day of leave but have to attend a meeting tonight, have asked to add to the agenda to change the day as Friday is such an awful day to have a meeting starting at 7pm!
I've made a few payments:
* Another £100 to my parents, now owe £700
* Paid a bit to ds school trip, now owe £450 (obviously still need to buy kit and get a new passport)
* Next installment paid on loan - 21 months left
I will pay another amount to oven after the direct debit goes out on 7th March otherwise it messes up the system.
I've brought myself a few clothes as I got extra money for tutoring but got the clothes from charity shop an boots in sale online with free delivery and cashback.
I need to do my moving funds to the pots and update budget, expenses for this month go in on Monday after I get back from teaching. I can't believe it's March on Tuesday.
We've had the projected increases for energy through, I've turned down the heating and reduce time it's on already and no-one has noticed so far. Hopefully we'll have a good spring and summer.
Nothing else going on, have a busy few months ahead and still waiting on decisions and actions from both my and dh jobs which means we're in a bit of limbo at the minute but fingers crossed both are resolved soon.
H x1
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