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My journey to living within my means
Comments
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One NSD completed yesterday, I am hoping for more of the same today,
A0 -
Well done A - keep it up!0
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It makes you feel better just to start the journey.... it certainly does me. Wishing you all the best!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 13/9/250 -
Well on the way to another NSD today and out for dinner at my daughters, feeling good.
A
xx0 -
Well thats another NSD under my belt so 2 so far in my very odd mid to mid month thing I have got going on, I didnt want to wait the the begining of the month to start.
I also transfered £9 to savings for my payment a day challenge so pleased with that and I am within my budget for my grocery challenge, feeling good.
Andrina0 -
I am finding this so cathartic being able to put my thoughts down each day, hoping for another NSD today.
A0 -
well I am in the middle of my shift rotation of four twelve hour shifts at the moment. Did a bit of shopping today and will need a few more bits tommorow then hopefully that will be me until after the weekend.
I am concerned about my target for the month and hope I can make it I really want to.0 -
well i am almost finished my last night and now have 5 days off, which is nice. Hoping to have 3 NSD during those 5 days. I am finding using a notebook to write down everything I spend really useful, it is really focusing my mind on what I do spend.
I have continued with the payment a day challenge transfering into my savings account each day or emptying my purse into my sealed jar
My OH and I are working together on this priject and are finding it quite an eye opener, I have no idea where all the money went before but looking forward to having some left over at the end of this month.
Andrina
x0 -
Oh forgot to mention I joined quidco, I shop online at Tesco so thought I would give it a try,
A0 -
Morning one and all, well that the start of five days off for me, lovely job, trying for a NSD today, fingers crossed.
A0
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