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Learning to live my dreams not trample on them

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Comments

  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    When is your 40th SH??
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi 365 and milann!
    milann wrote: »
    When is your 40th SH??
    about 3 weeks on Friday!

    about mind:rotfl:

    Well I went to a friend's for a coffee and chat - and managed to pick up a bike for DD for her birthday (for free). If it needs anything doing to it will get MIL to pay and buy some reflectors and things for it and a bell if it doesn't have one but still good! Nice and bright pink as well so DD will be pleased and MIL will have some dosh left over to buy DD what she would really like.... you know... a dress or something:rotfl:

    MIL was prepared to buy her a bike but the problem is for her height for it to last she should apparently get a 24 inch wheel but stabilisers are only really made for 20 inch wheels and below so she kind of needed an inbetween bike between the one she has now and the 24 inch one. So this is perfect it is an inbetween bike and friend provided stabilisers. The bike shops themselves told me to get a second hand bike for her to learn on and then get the next size up bike next year when she is more confident. Just need to sell the idea to MIL now (if the bike needs any money spending on it).

    Really pleased though :money:
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just redeemed £5 from bp

    Saved £2.20 on parking today and all being well will walk to work tomorrow and hopefully save that today too.

    Work is going well so far but my knee is more sore... I am going to take some anti-inflammatories to see if that helps. My knee function is good but it does hurt still

    MIL has agreed to pay towards any bike repairs and let DD have a dress she wanted so that is good.

    Just giving DD fish fingers and beans. About to make an omelette for me. Try to eat a bit healthier
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well today I walked to work and back - plus to DD's after school club despite light drizzle. I reckon I did over 2.5 miles so really pleased with that. I have also been to a singing/band practice tonight so that was good fun. I love singing.

    Work is still going well and I am hoping to walk to work again tomorrow unless it is raining really badly.

    Hope everyone else okay.
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I abandoned the thought of walking today... unless I go in the next 3 minutes LOL.

    I feel like the last 2 weeks have caught up with me in a bang today and I feel on a go slow! Just feel really tired (but went to bed at 12.15am so not a huge surprise!). I think I have been trying to process lots of new information too and my brain has said - hey give me a break. So today I am taking advantage of the fact I only live 10 mins drive away (including parking) and am on my third cup of coffee!

    I actually got real work yesterday rather than just getting myself up to speed stuff - don't whether that is part of it or what?!

    Unless I play musical cars (move it around various free or low cost car parks several times during the day) then I will be hit car parking fee wise... Problem is the free car parks are only for 3 hours. I think I may put it on one 3 hour one and then move it to a pay car park for the rest of the day... would still work out cheaper but would be messy.... Decisions! Or I could just listen to my body and put it on the nearest car park to work!

    hmmmm......

    I am so glad it is a bank holiday on Monday.... day off - woohoo!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Just wanted to pop by and say hi! I am still around but am in Ireland for a week so not on here much. Will be back on next week :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a great time CMD!

    Well some really good news! I have been paid already!!! What a big contrast to my last job when I wasn't paid when I should have been. I didn't expect to be paid until the middle of May but they have paid me for April yesterday! I am gobsmacked!

    So I will be able to pay a bit more off my cashback credit card and our overdraft won't be sooooo bad. I possibly could clear the whole of the credit card but to be honest the interest on my overdraft is as bad or worse than the CC so may not bother... I would prefer to clear my overdraft right now....

    I always reckon you feel better about a job when you have had your first pay check and right now I feel very positive towards it LOL
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just looked at one of my long term credit card statements and it is about £100 worse than I thought so I won't look like I have paid as much off this month even tho I have really
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have just applied for a new CC via quidco with £20 cashback. So have decided to transfer my cashback credit card balance to there. They gave me a nice high limit so my credit score must be good. That takes the pressure off and should mean we can pay off the CC whose 0% ends in July in time or if necessary I can transfer that 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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just sorted out my home insurance for the same cost as my renewal but with £65 cashback which means it is the same price as last year in practical terms. Really pleased with that. It means that I now have £85 as part of the £10 a day challenge for May which is good 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
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