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Debt and Caring

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  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My postie regularly sees me in T shirt and knickers, holding my dog 🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
  • 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 2021
  • My postie regularly sees me in T shirt and knickers, holding my dog 🤣🤣
    At least you were wearing a tshirt. One guy opened the door wide while only wearing boxers.

    Believe me @astrocytic_kitten, the cheese commented on itself. 
    Todays joy was a van that stunk of coffee 
  • 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. 
  • 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.

  • 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. 
  • There is a brandy butter thief .... scary ..

    Glad you are enjoying the new job
    DON'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#latest
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Happy new year, and enjoy your days off.  
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