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Learning to live my dreams not trample on them
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hi gill nice to hear from you again.... yeah it was nice to do something a bit different.
We have a norah jones concert coming up soon and then about a month later it will be jls - should be great!
Well today - I took the kids to youth group - and then afterwards we set up the fire pit again - very therapeutic and relaxing.... love playing with fire LOL
DS is away Mon-Fri next week at a camp and DD is away Tues to Fri with MIL. Then OH is away for a long weekend on his motorbike trip with a friend so it will be a weird week next week.
DD has a school trip on one of the days I was planning to take her out of school so not sure what to do now. We were going to stay over at the marriott as a couple and leave DD with MIL and DS with a friend.... now not sure what to do! May just move the marriott thing to later in the year as I think she will be gutted if she misses the school trip.... Unless BZ fancies stepping in...... or MIL agrees to stay over which I know she is not keen on.....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 -
Well took DS to buy a phone today - picked one up for £2.45 from phones4u - unbelieveable. Had to top up £10 - but with that he got 300 free texts from V to use within June. He had to pay cos he had lost yet another phone!
We also picked up a DVD from Mr As for DD and I was overcharged - so went back and got a refund of the difference £2.29. I did pick up the only DVD on the shelf with the special sticker on lol!
DS had his friend around most of us today but had a nice family time watching cloudy with a chance of meatballs.... I don't think I would want to watch it again but the 7 year old loved it (she had watched it before) and DS seemed happy enough... Also watched Dr Who.... I haven't got into the new Dr Who the same... he comes across a bit "wet" to me which I don't like.... Just doesn't seem to have the right energy level....
DS is going away on a trip and needed his hair cutting.... ended up giving him a no 5 with hair trimmers as strangly couldn't get anyone to do it for him at 5pm!! LOL. Saved me at least a tenner tho...
It rained here most of today which was a shame as I was hoping to do my garden. I did do some stuff in the garden with DD Friday night which was something at least. Church are doing a barbie tomorrow so hopefully that's lunch sorted....
Hope you all have a great bank holiday weekend!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 -
Hi SH
have to agree with you on the new Doctor Who, I can't quite get into it the same. Not sure if its him or the fact that Russel T Davies is no longer chief writer. I don't actually care what happens in any episode.
Hope the weather's ok for your church barbie, its quite sunny but cold here (North West)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 -
It was a bit breezy but we had the barbie. DD got invited out to play for 3 hours - result LOL! DShas been taught how to use the washing machine as he is going away tomorrow and seems to have been "saving up" his dirty washing ROFL. He is not going to be one of those kids who goes off at 18 to uni or wherever saying duh I don't know how to cook, wash etc as he will have well and truly mastered those skills!
I spent 3 hours in the garden this afternoon. My apple tree is now planted and I have dug up an acer which was in the wrong place.... now need to find a good place for it. I lurveeeeeeee acers. I think they are so pretty. Strangely I am really tired from all that unaccustomed exercise but I haven't finished yet... need to pot a few things up at least until I decide where to put them... Still have bedding plants to put in too. Hopefully I can do more this week with the kids away but of course it is weather dependent....
I don't know how other people are getting on but I seem to be spending way too much on groceries again.... Really must find a way to cut back...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 -
Hi SH, sounds like a lovely day you've had!
I'm with you on the groceries. Despite my best efforts, there is always one thing I've forgot which necessitates a trip to the supermarket resulting in a £10-30 spend.
I used to buy loads of organic, but have stopped that, so for me the answer is to do a once a week shop and no more. Of course, that's easier said than done :cool:
Enjoy the rest of your Bank Hol
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hi macgirl - yeah it has been a great day. I have transplanted my acer - it is now in the shady left of my garden rather than the sunny right.... Played with my fire pit again, Also watered in the apple tree.....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 -
:rotfl: I love that this is how I get asked! :rotfl:savingholmes wrote: »Unless BZ fancies stepping in......
If you were serious though I think you'd've found a more reliable means of communication than the offchance I'd pop in here
If you are, you can ask like a big girl 
LOL I did offer the week beforesavingholmes wrote: »DS is going away on a trip and needed his hair cutting.... ended up giving him a no 5 with hair trimmers as strangly couldn't get anyone to do it for him at 5pm!! LOL. Saved me at least a tenner tho...
We have a yellowy green on and a purply red on and they're loving living with us (instead of MILsavingholmes wrote: »I spent 3 hours in the garden this afternoon. My apple tree is now planted and I have dug up an acer which was in the wrong place.... now need to find a good place for it. I lurveeeeeeee acers. I think they are so pretty.) They've properly perked up now, and they're in a sunnier part of the garden..? And the things we planted from scratch are finally coming up now too 
Some more plants would be (I'm almost ashamed to say it!!:p) lovely... I'll get DH to bung some empty pots in the boot next time we're down I'm wanting to share the colour and plantage between our house and MILs for the house sale atm, which is tricky will v little money, so all donations gratefully received!
Oh and lol @ DS and his potential dates "I am indelibly stained by hope and longing" - Nuts in May0 -
Well still seeing if MIL can do it... if no-one can do it... will just change the dates altho still need someone to look after DD on the Monday night...:p:rotfl: I love that this is how I get asked!
:rotfl:
If you were serious though I think you'd've found a more reliable means of communication than the offchance I'd pop in here If you are, you can ask like a big girl We have a yellowy green on and a purply red on and they're loving living with us (instead of MIL) They've properly perked up now, and they're in a sunnier part of the garden..? And the things we planted from scratch are finally coming up now too Some more plants would be (I'm almost ashamed to say it!!:p) lovely... I'll get DH to bung some empty pots in the boot next time we're down I'm wanting to share the colour and plantage between our house and MILs for the house sale atm, which is tricky will v little money, so all donations gratefully received!
I am over at MIL's again Friday (OH away so no rush back) could perhaps travel on to yours and bring you some stuff :money:(with kids) or you could meet me there?
Scary at DS! He is now away at camp and DD is now at MILs.Oh and lol @ DS and his potential dates
:j:j:jMet up with MIL's so she could buy me my birthday pressies from M&S..... Came home with two per una tops, one per una skirt, pair of navy trousers and 2 bras... plus she bought us some food! Feel very blessed.:j:j:jAchieve 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 -
£80 received from quidco todayAchieve 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 -
overnight? Or for the evening? What's it for anyway? Where you scampering off to?savingholmes wrote: »Well still seeing if MIL can do it... if no-one can do it... will just change the dates altho still need someone to look after DD on the Monday night...:p
I'll let you come to meI am over at MIL's again Friday (OH away so no rush back) could perhaps travel on to yours and bring you some stuff :money:(with kids) or you could meet me there? "I am indelibly stained by hope and longing" - Nuts in May0
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