📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…417418420422423…578

Comments

  • norfolkdream
    norfolkdream Posts: 383 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee!
    gallygirl wrote: »
    • Mr GG took early retirement in the summer
    • Mr GG has since been working hard on his golf game
    • Mr GG has now been coaxed out of retirement
    • GG is going to accompany him – to the Middle East
    • GG has handed in her notice today
    I think that’s all. I also moved a £4.15 Quidco payment to my savings account :D.

    I had to trawl through your last few pages to find out what the exciting news was!!! Cannot believe it. Well done, how fab.

    A great load of adventures to be had I am sure. Congratulations on your early retirement xx
    MFW 16 No 33
    2016 OP Paid/Target 2063/£2063 (100%) COMPLETE
    Mortgage Free - Apr 2016 -DONE!:j
  • HelenDaveKids
    HelenDaveKids Posts: 3,177 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    gallygirl wrote: »
    2 ebay sales but to same person so 18/365. 12 & 13 are still in car but they're out of the house so still counting them - my diary, my rules :rotfl:

    Completely agree.

    Sounds like going well. Hope it's not me buying every thing.. imprisoned in the house is expensive..
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gallygirl wrote: »
    2 ebay sales but to same person so 18/365. 12 & 13 are still in car but they're out of the house so still counting them - my diary, my rules :rotfl:.

    Another bag of clothes in car for CS so 19/365.

    Loads of business cards and loads of redundant loyalty cards decluttered, 20/365. No. 19 has made it out of car but 12 & 13 still there :D.
    HelenDaveKids wrote: »

    Sounds like going well. Hope it's not me buying every thing.. imprisoned in the house is expensive..

    Doubt it dear, what I'm selling would fall off you :(.
    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
    edited 9 January 2015 at 5:33AM
    gallygirl wrote: »
    No. 19 has made it out of car but 12 & 13 still there :D.
    And will remain so all weekend :rotfl:.

    Have come up with a cunning plan:
    • Get estate agent out to take pics for rental (though not putting up just yet). Then I can start 'deconstructing' the house room by room:
    • Pictures off walls. Clean pictures :o, either put in 'pack & ship' pile (see below) or 'charity shop'.
    • Fill in holes in walls and rub down.
    • Wash walls where necessary :o.
    • Touch up paint - luckily I have at least a little of every colour.
    • Drawer by drawer, wardrobe by wardrobe, go through all items. All to go in one of the following piles or easily identified as:
    1. Bin
    2. Charity shop
    3. Ebay
    4. Important - take in hand luggage (e.g. card readers)
    5. Important but can go in suitcase
    6. Clothes, shoes etc which will be needed on arrival - to go in suitcase
    7. Household items - important, to go in '1st wave' which goes with us or shortly after, 1 cubic metre in total
    8. Bigger items or not as urgently needed clothing & footwear - to be shipped
    9. 'I am actually going to Spain but taking the via ME route' - items to be shipped with above but packed and labelled separately, e.g. magnetic knife rack, winter clothes, curtains to be made into Roman blinds etc.
    Simples :T.


    Mr GG off again in a few weeks for yet to be determined period of time to be followed (probably) by permanent move in yet to be determined period of time followed by me in yet to be determined period of time. So, all sorted :rotfl:.
    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"
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    gallygirl wrote: »
    3 large items to charity shop (16/365)
    1 ebay parcel to post (17/365)
    and need to take items 12 and 13 out of car :D.
    gallygirl wrote: »
    2 ebay sales but to same person so 18/365. 12 & 13 are still in car but they're out of the house so still counting them - my diary, my rules :rotfl:.


    Another bag of clothes in car for CS so 19/365.

    When I first read I did think you had decluttered a friend. From further posts I am relieved it was just her waste!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 10 January 2015 at 10:54AM
    CathT wrote: »
    When I first read I did think you had decluttered a friend. From further posts I am relieved it was just her waste!
    Actually, I haven't heard from her for a week - best check the boot :rotfl:.
    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"
  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    It's all sounding exciting GG :)

    I am also trying to gradually declutter the house before we move out. Difference is I am only going as far as the in-laws and will eventually return to live in a building site for the foreseeable future. It's just not as exciting as the middle east!!

    And I'm getting no help from my OH who seems to be on a reclutter mission. I might get him to do one of Ed's personality tests... :rotfl:
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well, that's 2 hours and a good few million brain cells I'll never get back :rotfl:.

    Just been doing financial modelling on retirement income using worst case scenarios and various inflation/growth/interest rates, plus liquidising btl's at various points. To cut a very long story short, as long as I peg it by 100 I'll be ok. After that is anyone's guess :D. This is based on taking 25% from pension pots at 62, then a 5% annual drawdown (which is higher than the normal 4% used). In reality, I'm likely to withdraw up to the tax free amount asap if I can find somewhere to put it that I'm happy with as I don't trust Osborne et al not to change the rules again :(. But didn't know how to factor that in :o.

    Now to declutter excess hair etc. :)
    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"
  • Secret_Saving_Squirrel
    Secret_Saving_Squirrel Posts: 4,138 Forumite
    Mortgage-free Glee!
    Yes I think you are right. I aim to get out as much as I can tax free as soon as I can and as quickly as I can without having to pay tax. There is a documentary tomorrow night at eight being heavily trailed. Looks interesting.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • HelenDaveKids
    HelenDaveKids Posts: 3,177 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    Decluttering is quite therapeutic . I have done my clothes, doing a bit each day. Obviously between watching huth and jezzer.
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture