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Debt and Caring
Comments
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My postie regularly sees me in T shirt and knickers, holding my dog 🤣🤣Sealed pot challenge 822
Jan - £176.66 :j2 -
My postie is lovely and also a useful break on tea buying because she often comments when she hands over a parcel of tea 😂Debt at LBM (Dec 2018): £23,167
Debt free Feb 20211 -
dawnybabes said:My postie regularly sees me in T shirt and knickers, holding my dog 🤣🤣
Believe me @astrocytic_kitten, the cheese commented on itself.Todays joy was a van that stunk of coffee1 -
A much less hectic day. Apparently it will get busier next week then I’ll be learning something else.I’m sitting in starbucks having two cups of tea. I couldn’t decide so I got both 🤦 I am determined to change my routine so I’m not just working and playing with the boys.
so this is scheduled thinking about projects time.4 -
Actual things contemplated- 2.
I got as far as crunching the numbers on buying a bus ticket (£84 for a month, ouch) and adding my pay to my a/c balance.
Sister Act isn’t feeling well so I bought some meds for her and decided to get the bus home. Watched the boys while BIL made dinner.
Feeling somewhat annoyed because I went to get the pudding from the fridge and it had disappeared. Brandy butter too 🥲 Reason no 173 to live in one’s own home. No pudding interference.
2 -
Bulbs have been planted. I say planted. I mean chucked in a hole in the ground. Some may in fact be upside down. Getting the mattock out had a very therapeutic effect but lord only knows what will appear in spring. It’s in nature’s hands now.I also removed nails from the joists in the floor. In theory the next job will be to lay osb which can now lie flat. I’m not going for finished. I’ve decided that for this year at least I’ll go for garret finished 😂
I have to pay the arrears on cc1 by the 19th. I was planning to take a gentle approach to repayment for at least six months while I try to balance everything out. I did think about making payments weekly as I find the time between paydays very long. Especially as January will be a five week month.2 -
There is a brandy butter thief .... scary ..
Glad you are enjoying the new jobDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
Sorry it's a tough time of year with memories and missing your Dad.
Well done on maintaining your job.
Well done on the NHS appointment.
Hope you find a quiet book corner soon and pudding, lots of pudding.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/252 -
Happy New Year/Hogmanay to those who celebrate.I am celebrating the fact that I have two days off, Guinness and yellow stickered cheesecake. If that’s not a holiday I don’t know what is.
I am also celebrating the fact that I still have a job. I managed to blow out a tire yesterday and worried that it would be seen as bad driving. Having revisited the scene of the crime though, I suspect it was a pothole what done it.6 -
Happy new year, and enjoy your days off.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1
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