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Doris's 712 Day Journey
Comments
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Always lovely to get a surprise gift. EnjoyAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
Manage to get out and about yesterday and today in-between the rain, enjoyed a long walk this morning.
Made another payment towards Barclaycard today £23.50, this will definitely be paid off at the end of the month. Then the big balance to attack.
Spent the afternoon listing items,few watchers already.
"Make Everyday Count"1 -
Well done on the payment. It's great obliterating the debt when you focus on a target card. You can then roll that payment into the next one after too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
savingholmes said:Well done on the payment. It's great obliterating the debt when you focus on a target card. You can then roll that payment into the next one after too.
"Make Everyday Count"1 -
Today will be a NSD, I am not planning to leave the house. Yesterday went for a very long walk with Mr D, we were out most of the afternoon and my knee is playing up today, so a day of rest for me today.
I have written down the contents of one of our freezers and moved all next weeks food choices on to one shelf. Plan is to keep moving all the weeks food on to that shelf and transfer food from the other freezer. Only things we are going to need to buy in the next few weeks are fruit, veg, milk and bread. Meal planning will be as health as possible as I want to lose some weight.
Had a nice overnight personal sale of £30.00 which will go towards the card on Tuesday when I receive my payment. Pay day is Friday and I can't wait to make the last payment to Barclaycard.
So plans for the rest of the day, even though I am resting is a little bit of housework, washing machine is on, hoping to get it one to the line to dry, fingers crossed and a afternoon of listing.
"Make Everyday Count"3 -
Good that you were able to get out - boo to your knee hurting afterwards.
Great news on the sale and using up your 'stores'Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
Back in work after my annual leave and the morning has gone so quickly. Had an appointment booked in for this afternoon which has been cancelled. Will venture out later as I need to go to the parcel shop, I will walk to the shop when there is a break in the rain.
Today will be a NSD, postage for parcels paid by customers.
Paid £5.00 off Barclaycard yesterday thanks to a shopping receipt app, another £30.00 to pay tomorrow and the balance of the card on Friday.
Still eating from the freezer and will be for the next few weeks, Mr D has been to the local butchers this morning and ordered our Christmas meat hamper, we buy saving stamps through out the year, a couple of pounds when we are passing the shop. So much cheaper that buying the meat for a supermarket and so nice. Looking forward to Christmas lunch already.
Time to get back to work!
"Make Everyday Count"1 -
Well my NSD turned into a spend day! Just rang the dentist to make an appointment for a check up and they are taking payment on booking.
"Make Everyday Count"1 -
Doris17 said:Well my NSD turned into a spend day! Just rang the dentist to make an appointment for a check up and they are taking payment on booking.Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....2
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mcpitman said:Doris17 said:Well my NSD turned into a spend day! Just rang the dentist to make an appointment for a check up and they are taking payment on booking.
"Make Everyday Count"2
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