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Going broke thinking i'm rich!!!
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I am three bin bags for the tip and four bag for life bags for the CB so far!! The Shoes and toys have been given a good sort and I feel better already! Still along way to go, but I am happy for a de-clutter and any money can go towards the holiday spends.
I have spent almost 2 days chasing up my son's passport applications
so far, we have an update on one but the other I can't even speak to anyone on! Very frustrating and not long to go before the holiday now. I am finding it hard to get excited until I know I have them all.
I think I will tackle summer clothes next, that way everything that fits and I want to keep I can pack....the others I can get rid of one way or another.
In other news I am traveling for work tomorrow approx 3.5 hours an overnight stay and returning on Thursday....The gym is going well I currently pay £20 p/m and I am going 1/2 times a week minimum. So far I have lost 8lbs which is a start!Pennies starts again...........2022 - £13,579.221 -
Well done on weight loss, exercise and decluttering. That's a pretty good triad of results!
Hope the remaining passports arrive soon and you can 'relax'Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260
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