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Currently clueless...aiming for awareness
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Enjoy your break when it comes.
I am on a last minute break in a cottage and loving it.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 29/7/250 -
Thanks @savingholmes, I hope you're having a lovely break!
No spend day today, and sold 4 toys on eBay so I'm in profit 😁
We went through all the kids' toys during the summer holidays and I've now got a full cupboard of stuff to list, just wish I had more time to list it! I'm sticking to eBay but I've heard mixed things about vinted, not sure whether to give that a try too. I'm a bit of a traditionalist - I like what I know!Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.063 -
Vinted seems good for clothes. Not heard about them selling other stuff. Good to be in profit.
My break is going really well. I'm enjoying the peace - and so is DD back home!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 29/7/250 -
Just sneaking back in after a long time away...
Things were going really well but after an awful 2 months (car broken down, cat surgery, boiler repair, phone smashed) I'm feeling a bit out of control so I'm heading back here for some accountability.
Will post more in detail when I get a minute...Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.064 -
Welcome back. Hopefully things improve for you nowAchieve 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 29/7/250 -
I've just read your first post, I can empathise with you, I dont do anything in my house except sleep and sometimes work, I have a good job too, unqualified but earn over £60k a year, feel a bit of a fraud. Anyway, have you investigated yourself for ADHD or Aspergers syndrome. Sometimes highly intelligent people can show this trait, in my case its doing basic home duties. Obviusoly professionally I'm a wizz lolBaby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
Currently Negotiating with HMRC !1 -
Lovely to see you @canvascamper. Life sweeps over us sometimes but you will get there love Humdinger x1
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Well here I am at half past midnight as per, clearly never managing to get enough sleep.
What a gorgeous day today. Spent the morning...dishwasher and carpet shopping 😩 well, browsing, we didn't buy anything. We need a new stairs carpet, the one we have is dangerous as it's threadbare in places and slippy. It was here when we moved in and was terrible then. There's no carpet at all on the attic stairs (which we had built 2 years ago). I think we finally chose one, just need to get a proper quote including underlay and fitting. We've got £600 saved but it won't cover it so the rest will go on interest free credit.
We need a new small sofa in the living room. At the moment we're using my mother in law's old suite, it's a 2 seater sofa and 2 armchairs, BUT there's 5 of us so I always end up sitting on the (dinosaur themed) footstool balancing my dinner on my knee, not ideal. We had a look around and found a lovely one we really liked, but it was almost £1000 so the footstool will live on.
Looked at dishwashers, ours is on its last legs, it now only works on 'glass' setting and has to be stopped manually and makes a weird humming noise, had a guy out to look at it and he said it's a chipboard problem but they don't make our one anymore (it's at least 15 yrs old) so can't be fixed 😖. Anyway, we decided we'll just have to wash by hand when it dies whilst we save up a bit more because they're expensive and it's not a necessity right this minute.
I need to do a new statement of account soon. It's not the happiest of pictures. I got a new second job recently which is very well paid on a freelance basis but it's made me too casual about money. The irony of having more money causing me to have less money. Trying to pull myself back together again.
DH's birthday in 10 days, wedding anniversary in 12 days and 2 week half term starts next Friday. Gulp.
Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.062 -
We made the same decision when our dishwasher died! Our outside chest freezer also died shortly afterwards so decided to buy an under counter one to fit in the space where the dishwasher used to be so that means no more dishwasher ever! Glad it's just 2 of us now though.
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@joedenise we will need one at some point, DH can't wash up loads due to his very sensitive skin so it falls to me as another job on my list...this was bad enough pre-kids! We only got a dishwasher when DC2 was a baby but now I feel like we can't go backwards! Motivation to save at least.
Having said that, we are currently supposed to be saving for...
A dishwasher
Garden furniture (we have none at all, sit on the grass)
DC1 high school uniform
New BBQ
Camping chairs
Paddle board or kayak
Fitting french doors in the back room
Knocking through kitchen/back room (long term plan!)
New car (we drive a 20 year old Jazz when we're not with the kids in the family car)
So far, so unrealistic!Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.061
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