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Getting out of my comfort zone
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Race for life sounds good. Have wondered about whether to enter myself. Not sure I could get enough sponsors - and could only walk at best!
Being able to pay off Provident sounds really good... Well done youAchieve 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 10/10/250 -
Good luck with the Race for Life training. When I started running - only about 5 years ago - I couldn't run to the top of the road without going into respiratory arrest!
Now I regularly run and am doing 9 miles on Sunday - so if I can - you can 
Glad to hear that in just a short month, money worries have eased. Have a good day
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savingholmes wrote: »Race for life sounds good. Have wondered about whether to enter myself. Not sure I could get enough sponsors - and could only walk at best!
Being able to pay off Provident sounds really good... Well done you
Last year I walked it, this year I hope to run at least some of it. They don't mind how much sponsorship you get. I think I collected about £40 last year, just from friends and family, but some people in work just put in the money they'd saved by going out for a walk at lunchtime.
Phone call to Provident today.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"0 -
hi gill - sounds good - may give it a go. I have been sent an email invite....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 10/10/250 -
savingholmes wrote: »hi gill - sounds good - may give it a go. I have been sent an email invite....
Go for it! They're good fun as well, lovely atmosphere.
Other good news I've paid off Provident. The balance was £158 and it was £136.66 to pay it off so got £20 back in Early settlement discount.
Have taken weekend money out, going to stick to £50 for groceries. Should be OK. Will be doing some fresh veg shopping and butchers, but don't need too much supermarket stuff.
Have bought the first toiletries since Christmas, shows what a stockpile I must have had - it's not that we're dirty or anything.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"0 -
Jobs to do today
Kitchen -done
Bathroom - done
Kitchen cupboards
Bedroom - find homes for everything
Shopping
Water 'crops'
Two of my tomato plants have flowers on them, so hopefully should get a decent crop. I'm too impatient, I want them to grow NOW!!
Kitchen and bathroom cleaned, walking down to local shops now, butchers and greengrocers, then will do Iceland trip later.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"0 -
Have spent
£1.35 in greengrocers
£2.40 in butchers
£3.49 having a pair of shoes heeled (DT you inspired me to sort them out)
£9 in Iceland
£2.50 in Home & Bargain
..so still have change from £20! Not bad as my budget was £50.
Still to get, cold meat for DS sandwiches and maybe some fruit in the week.
I think I've planned it out, have got pasta and rice etc. to pad meals out, but even if I do realise I've forgotten something I've still got £30. And I had £10 left at the end of last week, which is in a little 'pending purse' at the moment. I carry it round with me for a week or so and then if I don't use it, it goes into the sealed pot.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"0 -
Well done on the heels and Provident!!!
DTxx0 -
gill I wish I was as good as you at controlling my spending... not mastered it at all!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 10/10/250 -
The ONLY way I can control spending is to use cash. I have a list, and next to each thing is roughly the cost. Then depending on whether I'm feeling rich or not, I add a tenner to the bottom and add it all up. I then aim for the original figure.
I occasionally have to buy stuff in the week, but generally manage, mainly because I have a good greengrocer and butcher, so can just buy what I need. Not many places you can just buy 1/2lb mince, or just 6 sausages and the quality still be good too.
Have had a mad week as DS has gone from moaning that he hasn't got a girlfriend to going out loads and getting calls from 3 different ones, including an ex who has since had a baby with someone else. And guess which one he wants to carry on seeing?
It's his birthday soon and he has asked for a steering wheel thing for the Xbox. Hopefully can get it on Amazon as have loads of lightspeed points. Then I can start doing surveys in earnest for Christmas.
Should get paid today, but there is some sort of delay.
Going for a walk/jog with friend straight from work tonight. Start of getting into practice for Race for Life.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"0
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