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Mortgage Free now aiming for FIRE
Comments
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Thanks for popping in Catclaires that sounds really positive about the he was entitled but never claimed it bit. It is complicated but glad it is easy to apply for the passport once you get that far. We are going to take a look today and see how far we can get. We are missing a lot of documents so will need to trace all of those too.
LAPlan wow Lady Bunny the legend the ones we saw were not from RuPaul but you never know one day maybe.They were really good. Who is your favorite in the current UK series? Mine is Ginger he is just great all round!!
Things are really getting busy at work and I have taken on more work by agreeing to be part of the recruit of a short term contractor for our team. Also got a lot of other work to catch up with.
DG has just looked more in detail and yes it does look really easy to get her Irish Passport just need to get the original documents.
Very happy Wednesday everyone got a call now must dashSave £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3 -
I do love Ginger
RPDR could be my specialist subject - it’s the only reality show I watch
However that doesn’t mean that fresh queens not on it aren’t great - it’s just branding and being shown to the world
did you ever see Ruby Venezuala ? London based now sadly departed but so great live
plus David Hoyle aka Divine David - not a queen but a performance artiste - worth seeing when they next tour if they do - completely out there - a bit Leigh Bowery on the bonkers performance stuff
Have you seen drag race France ? they are truly amazing - given France is the birthplace of couture and arguably cabaret those ladies rock
and the fashion is insane! Plus as a smaller drag community they are more supportive of each other rather than the US where it can get combative - makes for good TV but the heart of the French drag queens in the 2 series is amazing.
I have watched all the international series - it’s the only show I watch - I can’t get on with Philippines one as they all screech like kids but the rest I love - even Mexico was great - Lolita Banana and Valentina as hosts . Cristian Peralta rocks !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#latest2 -
It took sis over 2 years to get Irish passport so start asap if that is your planAchieve 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 29/7/252 -
Wow you have watched a lot it was because of you I actually watched the Canadian one and I now love that one. Watched Australia too but might have to give France a go. DG is not good with subtitles lol. I agree the US ones are really bitchy sometime and competitive but that is also fun. I do wish that they had it all was one programme rather than having to watch two for each episode.
DG spoke to the Irish office and yes she can just go ahead and apply for a passport and will get it. Happy day. We just need all the original documents. Although it is now a different route to get into Denmark we are still not sure as she might still need to use the family reunification route and you may have to prove you have lived in an EU country beforehand. I am not going to stress about that right now as it must be easier now they definitely cannot insist on language test although she will still learn it.
She is still locked out of all her files only access to emails so is working on the other side of her consultancy. It is crazy that you can have so many law firms locked out of their files for over 1 week.
I managed to get my mum to show me what light bulbs she has so I can now order the phillips hue ones for the new Google Home. She did not suspect a thing which was good.
I have only done 2 things on my course this week and nothing on the videos so still so behind. Work does take priority so it is what it is. I love recruitment and interviews and the person I am working with is great.
Got my new headset delivered so need to do the stuff for that so I can actually use them which will be fab.
Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Spent part of the evening last night trying to find more documents but no luck. It is odd as her mum had kept 3 generations worth of birth certificates, death and divorce papers. She was born in Singapore so lets see how easy that is she was a services baby so fingers crossed.
We also found 2 premium bonds we need to sort out and get registered if they are not already.
Got my headphones for the review I am doing and I love them already so much more comfortable than my old ones and my glasses sits better too. You were not allowed to order them with the charger so I had to order that separately. £61 I think that is day light robbery but a pain as I do not have two sockets on my laptop to charge things.
Order some Christmas presents the child that did not say thank you was DGs young cousin my niece and nephew would never do that not would my sister allow it. Just need my sister and mum now but I know what they want.
Just seen we have more mould in the loft and really need to get the roofer to come out. We thought it was the went for the drying room but it is all along now so does need to get sorted. We do have too much stuff in the loft so they might tell us off for that or it could be as simple as the gutter leaking.
Anyway as always must get back to work.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3 -
The house I'm buying - apparently has insulation blocking the roof vents and that is causing it to have condensation and sweat. You could find it is something that simpleAchieve 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 29/7/252 -
Thanks SavingHolmes I have just looked outside and there are went in both spots where the issue is. We do have too much stuff in the loft so it could also be that that is an issue. We will take a look later and I have a roofer so can call on him if needed.
Waiting for a work call but the person is going to be late I have asked her if she wishes to reschedule but no reply.
Got a bit further with the Premium Bonds and managed to check them. 1 had nothing unclaimed on it but the other had £100 so that was nice. DG did have an account with NS&I (I stashed my house purchase money in her name) but we do not have the number. It looks like she needs to call them as the reset did not generate an email. Might have to anyway to get those bonds over. I hope I get a nice win tomorrow but I seem to win every second month.
She has still not ordered her other certificates but work has been busy. She should get access to all her documents today after 1 1/2 weeks. She did also have an interview today but cancelled it she does not want to be employed again. £50K wages would have been nice but the stress is not worth it nor is going into the office everyday.
Got the list from my sister she wants shoes they are £100 not sure I was planning on spending that much but she is my only sister so why not.
Got to take the cats for their boosters this afternoon. One has put on weight so expecting to get told off. I do love them both so much and they are so much fun to have around.
Got my refund for the old supplier so that was really handy as the accounts were very low. It has all been topped up now so a lot better.
I cannot remember if I said I finally got the replacement lights? I got 3 instead of the 2 I actually sent back. I did not lie he asked how many have you sent back and I have sent back 3 but did get 1 replacement. Lets see how long they work this time I am going to put them on our holly bush out the front that should look really nice and it should be sunny enough to charge them. I will send them back each time they break until the 2 years warranty runs out.
Does not look like the person is coming onto this call any time soon so might just move the meeting as my next call is 11am.
Tonight we have the cocktail night I got from Mastercard. They called yesterday (just as well) as I had not got the email with the zoom link and ingredients list for garnishes. We got everything from Lidl and Tesco, £2 for fresh figs we do not like but if you are doing it you have to go all in.
We are making 3 each so should be fun.
The other person is coming on the call now so best log off here.
Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Good luck with the roof.
Great news on the lights.
Hope the hacking incident doesn't take too long to resolve. Scary times for people.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 29/7/252 -
Whats the cocktail night? a comp win or a special offer?
Yes Drag Race is only series I have seen all re reality progs - I dont watch any other reality show
France is brilliant even with sub titles - even if you skip forward and watch the 'main challenge' and every unbelievable runway ... however I watched every minute - I do speak fairly decent French and by the end of loads of Europe drag series I start thinking I am multilingual - I can say most DR catchphrases in 10 languages !
I love Spankie Jacksoni have met Kween Kong, Karen from finance, Courtney Act etc all v cool.
Italy/spain/netherlands are all good - and I really enjoyed the Sweden one and the theme tune 'every Queen' by Robert Fux is v catchy
Mexico is better than brazilThe brazil host has a lot of botox..its weird to see his face out of drag
Belgium is ok but Rita Baga (Canada DR) is host so good for thatDON'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 -
Thanks for your comment Savingholmes and Ladywithaplan.Didn’t do anything with the roof yet I’ll message the guy Monday. I did move some cushion covers that was stacked very high in the loft but weren’t last year. Might be the condensation.It sounds like I have to watch more RuPauls!Cocktail night was really nice. It was with Mastercard so not a win but £30 for 6 cocktails and 90min of zoom call with a small group of really nice people.New favourite was the figgy pudding just amazing. Might have to take it over to Denmark and make it there.One was like a Kir Royale but with Damson gin ok but a bit strong.Last one was chocolate brownie gin, baileys and vanilla vodka. Too strong for me but taste of orange not sure what from. Did have some Prosecco afterwards but stopped early so don’t feel too bad today.Got a mystery shop booked locally later and hopefully play a few holes of golf. Got a completion booked tomorrow so hopefully the weather will behave.And finally checked the premium bonds sadly no win I do seem to win every second month lol.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3
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