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Doris's 712 Day Journey

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  • Doris17
    Doris17 Posts: 927 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Fantastic Doris. Well done on clearing another card and getting it gone. I found BC were good at sending balance transfer offers so good call.
    @savingholmes fingers crossed I will not have to make a balance transfer, If I need to its there.

    "Make Everyday Count"



  • Doris17
    Doris17 Posts: 927 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Happy Halloween!

    Today has been a spend day, picked up  a few more Christmas gifts this morning. I want all my shopping completed by the end of November and wrapped, thankfully not much let to get and I am hoping I can get it online.

    Have a chicken in the oven cooking for dinner this evening and Sky has given us a free scary movie to watch, so that's our evening sorted.

    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your movie. I need to make myself do some work. Procrastinating...
    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 29/7/25
  • Doris17
    Doris17 Posts: 927 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    In 685 days time I will be 55.

    @savingholmes I hope you got some work done.

    Today has been a NSD. 1/18

    Worked from home today, did go to the parcel shop in my lunch hour, dropped off the weekends sales.

    Early night for me I think I have a terrible headache that just wont shift.

     

    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Doris - I did some last night and got up early to do the rest before dropping my daughter off at work.

    Hope your headache clears soon. Congrats on the NSD
    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 29/7/25
  • Doris17
    Doris17 Posts: 927 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    NSD 3/18 so far this week.

    @savingholmes your life sounds very busy.

    Today will be a spend day, I have done some online Christmas shopping and I need to go and pick up in store. Office day today so I will pick up in my lunch hour.

    Will be making the first over payment today on my big balance CC, only a small payment but every little helps.

    Slowly making our way through our stores/fridge and freezer. Grocery shopping tomorrow, will go armed with a shopping list after I have written next weeks meal plan this evening.

    Have a good day all.


    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on making an OP. They all add up and you'll get there eventually. 

    I have bought 1 whole xmas pressie for £2!! Fair to say quite a lot left to do - but going to see how my money is closer to the time rather than doing just now. My life is hectic currently - although I have taken an hour off a couple of days this week to walk my dog in the autumn leaves and it has been stunning and very restorative.
    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 29/7/25
  • Doris17
    Doris17 Posts: 927 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Cant believe its Monday again. Had a busy weekend, I have been painting and reorganising my eBay room/office, it just wasn't working for me and the space was untidy.

    Spent Saturday and Sunday sorting out stock, listed has gone into the loft and I have a pile that needs dealing with. I have freshened up a white wall that I intend to take photographs against. Used paint that we already had, so wish I had bought a new tub as it was not the best quality and took ages to dry.

    Note to self -  Don't not buy cheap paint again, use more, it takes time to apply and ages to dry.

    Please with the finished result, have a better organised work space and I have even got room for a small chair by the window, so I can sit and read or just look out over the garden.

    Also bought a few more Christmas gifts, not much more left to get. Made another small payment towards CC, eBay money will hit account tomorrow so there will be another payment to make. Ordered a new passport, as there is less than 6 months left on my old one and I need to order a new driving licence as mine expires in January. I had saved up money for these purchases in my saving pots.

    Still eating out of the stores/fridge and freezer and will be for the next few weeks, only topping up with veg,fruit etc when I do a small shop on the weekends.

    Today unfortunately was a spend day as I left in a hurry this morning and did not pick up the lunch I had pre-prepared.  :( 



    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you are still achieving loads. A coat of white paint can really brighten the place up. Good luck with the sales.
    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 29/7/25
  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done on making an OP. They all add up and you'll get there eventually. 

    I have bought 1 whole xmas pressie for £2!! Fair to say quite a lot left to do - but going to see how my money is closer to the time rather than doing just now. My life is hectic currently - although I have taken an hour off a couple of days this week to walk my dog in the autumn leaves and it has been stunning and very restorative.
    Anyone else find Christmas shopping so depressing? All that mindless spending and trying to think up what to buy people. Christmas I like but not this aspect of it. I think it's why I always enjoy January haha 😄
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