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The Bones

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  • Happy shiny new diary, fantastic news regarding DH new job and nearly there with the BC, well done purple x
  • Thanks everyone x

    DH has been for his Heart thingy and it isn't as clear cut as we first thought. DH has the onset of Angina and high cholesterol and has been given four different drugs and has been referred for an angiogram.

    Moving on as I don't want to post too much on here about it.

    I had an AFD last night (yay me!) but I slept awfully, hopefully I will sleep better tonight.

    Lunch I brought with me again today.

    I need to think seriously about my goals for November and what my plans are for the new year....Novembers goals first though!

    I'm sorry that my posting is sporadic at the moment, RL is getting in the way and I am trying to keep it away from MSE.
  • This is a nice diary and I'm a bit late reading it . Still gotta catch up on the old one ;)
    Anyway , rooting for your other half all the way . Unfortunately , these last 12 years or so have taken their toll on so many of us and I am so pleased that he is escaping that hellhole at last .
    Hope his health improves also. although it may take a little bit longer for him to adjust , he may well get back on the mend very soon and the crap can Eventually be a thing of the past .

    As for the rest of the diary , you're doing all you can and with a growing family its never gonna be easy . I'd say you'll achieve your goals as you keep chipping away in a very positive and focused way.

    Good luck with it all and keep going :)
  • This is a nice diary and I'm a bit late reading it . Still gotta catch up on the old one ;)
    Anyway , rooting for your other half all the way . Unfortunately , these last 12 years or so have taken their toll on so many of us and I am so pleased that he is escaping that hellhole at last .
    Hope his health improves also. although it may take a little bit longer for him to adjust , he may well get back on the mend very soon and the crap can Eventually be a thing of the past .

    As for the rest of the diary , you're doing all you can and with a growing family its never gonna be easy . I'd say you'll achieve your goals as you keep chipping away in a very positive and focused way.

    Good luck with it all and keep going :)

    Thanks AC x
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Sorry to hear hubby's appointment didn't go so well but at least it's bring dealt with now and hopefully caught early enough xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • I'm sorry too to hear about DH's health conditions, but it's very good that it's been picked up because now he's being given preventative treatment.

    I'll look forward to hearing about your November goals :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • beanielou
    beanielou Posts: 95,232 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on DH's new job.
    Hope the health things settle down soon.
    Soon only be 2 credit cards :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Afternoon,

    Well this afternoon we have a meeting at the school with a particular teacher of DS's and the rest of the faculty. She treats DS unfairly and is constantly looking for a reason to blame him. This all came to a head on Tuesday. I know that DS is far from being an angel (if you have read my old diaries you know!) but she isn't helping him and I am now sick of it :mad:

    DH I think is partly in denial about the recent goings on with his health but time will tell.

    I brought my lunch with me today.

    Pay day tomorrow :T I can move money about and hopefully pay half off the BC :)

    I still need to think about my November Goals and make a list of what is coming up next month so I don't get lost.
  • beanielou
    beanielou Posts: 95,232 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope the meeting is productive :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,919 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the meeting at the school goes well.

    Good that DH's condition has been caught and that he is now on treatment.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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