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Prosperous soul embraces creativity & mortgage neutrality
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New boots sound nice. Hope the cat appears. Is DD near to passing her test?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 #1242 -
thanks Skinty and Blackcats
Apparently my cat was in the neighbour's house overnight and she's been out most of today so she doesn't know how much he's been there during the day. He's not there now but she'll keep an eye out. He does go into other people's houses so we're hoping he has just been temporarily shut in a room somewhere and gets let out soon.
On the overnight stay - not booked breakfast yet - debating it - as it's an extra £10 if work don't pay. May just get bread and banana and take milk and coffee for the room. Either way staying over feels right and will help de-stress Monday. I need to be kinder to myself more often and not risk pushing myself to the point of burnout. I will get a nice lunch at the work event.
My friend has confirmed she's definitely coming tomorrow. Still waiting to hear back if a second friend is coming - but in some ways it would be easier if it was just us two so that would be fine. We're going to play with paint so should be fun.
I've bought some cheesy flatbreads as nibbles and some fizzy drinks. And lemon cake...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/258 -
The cat is probably doing that cat thing where they look at you as if they are starving & homeless & please please feed me. So it is probably eating best salmon in someones house. There is a local one here that comes in through either an open window or door if I leave it open. Although I did shut one in the garage a couple of years ago, so now I have to wait until the door is all the way down (its automatic) before I drive off. Thank goodness I was out less than an hour as at that time I was going away every weekend, that would have been awful.
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Glad you've booked the accommodation, and hope work pay up.
Hope the cat is ok, it's always worrying when they disappear."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Thanks BM and Jwil - Cat hasn't turned back up yet.
Well I got £8.35 cashback after the £2 fee from San this month - from switching my utility and CT direct debit to them and doing their lite reward acct.
My bank switch is going through - it will give me 6 cinema tickets as well as the £150. So plan to give 2 to DD and 2 to DS at Christmas and leave 2 for me if it works like that. Once the switch goes through - I'll move my previous reg saver to my new 5% account
It looks like DD can switch and get £200 so she's going to do that one if they accept her which they should.
DD is going to tidy and clean the kitchen for me. I then just need to do the lounge and the downstairs loo before my friend comes. I need to take DD to town later and plan to nip into HB. I then need to take her for her train at 3. Then I'm free for a bit....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Hi Lucielle - DD hasn't got her test until Feb. She struggles with anxiety so decided not to bring it forward.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Cat's back - looks like he's been in a fight but otherwise seems okay.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
I just checked and the pay award has been accepted. That should mean that we get paid it in Dec. I've therefore upped my monthly AVCs by another £25. I'm planning to put most of the back pay when it comes into my 5% saver.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Pleased to hear the cat is back.
Even if work don't refund, it was still worth booking to start the day on the right footing.
Great news about the award and back pay.
Hope your visitors are a freshing change.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks MF.
I now have all the details for my new acct. I've just opened a linked saver at a fixed rate of 5.25% so happy with that. Even better the switching incentive was already in my account - so moved £100 of that to my new savings account. I can put £25-400 a month in under its rules. I am going to review my other savings account and see how I need to juggle them to maximise my interest rates.
DD has improved the kitchen but I will need to clean all the counters. Still need to tidy the front room.
My new red and black leopard spot dress has arrived, it fits nicely so I will wear it on Monday with my new boots that are super comfortable too. The dress has 3/4 sleeves so more flattering - and it has pockets which I love. It's one of those cocoon style dresses from R0m*n.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255
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