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Getting out of my comfort zone

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think you do really well on that score - when I go to London just for the day to work, I take handbag and foodbag - if I want to do any shopping, I actually take my trolley case!
    2023: the year I get to buy a car
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Evening

    It's so much easier with a small bag, climbing those stairs. But I really, really need to get fitter, I shouldn't be 'quite' so breathless. First of many cups of coffee, while I have a trundle round the boards and see what's going on, then I need to go to the shops,because I generally drink at least a pint of orange squash during the night, and I left it at home :( Asda cheaper - Spar nearer, depends how I feel.

    Prompted by KC's discovery with her accountants, I've brought all my paperwork with me for the business account, and am going to try and work out my tax liability myself, so I can compare it with what the accountants send me. One of the accountants in work is going to give it a quick look, see if I've missed anything obvious. KC, see what you've started! I can only do it on best guess, but will see what I get.

    Have been in a meeting today, and there is still work here for a while longer, but there were other people in the meeting and it wasn't the time to ask. Will try and get some timescales this week, just so I can start planning. Agency have work for me for March/April, so should work out OK. Deffo have income until end of Feb.

    Off to see what everyones been up to.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    I am so tired :(

    Last night after speaking to everyone etc. decided to go out for a 'proper meal' , rather than bistro type thing, so went to ASK, had a nice meal, but pricey for what it was, but haven't done that for ages. So £15 spent, but that did include wine. Watched Silent Witness, fell asleep and woke up at 3ish. Never really got back to sleep after that.

    So tonight, I'm nipping out for a snack then just going to sort out paperwork etc. and a bit of catching up.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • sashybo
    sashybo Posts: 4,598 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Snap! I'm very tired too - hope you sleep well tonight. :)
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm waking very early too :( hope its better for you tonight.
    2023: the year I get to buy a car
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    Lovely night, pottered round, watched Silent Witness (it was sooo obvious!) and then fell asleep watching an old HIGNFY on BBC2.
    Meetings all day today, so off for proper coffee and brekkie.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Glad you slept better.

    Have a good day!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your week got better! Hope today went well! Good that agency are already lining up other work too!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Here's to proper coffee before brekkie :) I can feel it giving ructions to my stomach lining, but I just love it!
    2023: the year I get to buy a car
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    KC, I love proper coffee, there weren't many people in the hotel this week so they brought out individual caffetiere's instead of the usual big pot that you help yourself from.

    One of the things I keep promising myself is a decent coffee maker, but want to try a few out first. And save up for one!

    Have done online banking, made a £50 overpayment to mortgage. Am thinking of complaining about lender, as they ring 4 or 5 times a day, because I don't pay regularly by DD. So technically they have no payment arrangement in place so the auto dialler kicks in, even though I'm in credit because I pay weekly, and the payment isn't due until 23rd of the month.

    Haven't caught up on diaries, and working today, so no internet.

    Have a good day if you're reading.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
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