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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 7 April 2014 at 9:33PM
    AlexLK wrote: »
    You're filling it in now :eek: ... mine gets done somewhere around the afternoon of the 31st January. ;) No, I'm actually more lazy than that, my accountant does it for me.
    Karmacat wrote: »
    Now thats fast ... this year, I'm hoping to get it done by summer, instead of *next* January ...
    I'm owed over 1.2k, that has focused me a bit ;)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gallygirl wrote: »
    I'm owed over 1.2k, that has focused me a bit ;)
    Done :T.

    Threepennygate update - shop has closed :D. Not good for the staff I know but made me smile :o.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Watty1
    Watty1 Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I preferred the Osprey talk than that of the tax man.

    accountant fills mine in too usually in January so that I have time to practice my creative writing skills and reasoning :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    So, 7 sleeps till holibobs :j. A week today we'll be on our way. Quite a few people we know will be out there so will be great to catch up with them :D. Will be plotting my permanent move :T.

    No more shenanigans on osprey nest, mum and her toyboy seem to be settling down :T.

    Tax man hasn't given me refund yet :rotfl:. It will mostly be topping up my regular bills pot as that's gone a bit doolally :o. The remainder will be the start of my (small!) savings pot for retirement. It will, all being well, only be for personal spends till my pension pots are accessible at 55. Everyone else on here is planning their retirement so thought I'd get in on the act, especially as Mr GG will be a man of leisure soon :D.

    Actual date of retiring still in the 'very flexible' stage. Will explain all when more concrete stuff to report. I'll be around a while yet though :cool:.

    Happy Weds eve everyone :).

    GG x
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Staffordia
    Staffordia Posts: 384 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    gallygirl wrote: »
    No more shenanigans on osprey nest, mum and her toyboy seem to be settling down :T.


    GG x
    According to my other half, an osprey was seen heading North West near Dagenham this morning. Could be heading towards Rutland?
    Mortgage Free November 2018
    Early Retired June 2020
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Staffordia wrote: »
    According to my other half, an osprey was seen heading North West near Dagenham this morning. Could be heading towards Rutland?
    Oh oh.......

    Get Jeremy Kyle on speed dial :eek:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    6 sleeps now! Keep going :)
    2023: the year I get to buy a car
  • edinburgher
    edinburgher Posts: 13,888 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    GG - do you invest for retirement outside of your pension - or is it actually savings savings (i.e. cash)?
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edinburgher wrote: »
    GG - do you invest for retirement outside of your pension - or is it actually savings savings (i.e. cash)?

    I've been investing in btl's ed, that for me has been most profitable. If I was younger I'd have put some in funds but it's only in the last few years I've been able to afford proper money :o it's been safer to overpay mortgages (reducing term, not monthly payments so still pay same annual interest which is tax deductible).

    Am sure I could have done things differently but it's worked very well and will hopefully let me retire at 54/5. Less than 20 years after marriage broke up and I walked away with a total of 17k, used as deposit on house I lived in (in not a great area) and deposit on btl (in same street). Ok, so Mr GG has matched me (and at times been well ahead :o) but I can't see I would be looking to retire on 25k income from funds (to be fair that does include rental income from own house).

    I've been relatively lucky but it's taken some balls :eek:


    In other exciting news - we have an egg :j:j:j:j
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Just to add, for short term savings now I'm probably going to go into premium bonds :money:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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