What have I done....

kirstypark

it's not that much less sunny here in north east sotland, LauraJo, still very hot.

LauraJo

kirstypark wrote: »

it's not that much less sunny here in north east sotland, LauraJo, still very hot.

Morning
Its about 10 degrees colder but still lovely!
Nice night out last night (on expenses of course!). Off to go meet the clients now and then a late flight home tonight - all this work will be worth it next year!

hattifattener

Ooh, less than a year to your hopeful MF date - that must feel strange! And wonderful, of course.

LauraJo

hattifattener wrote: »

Ooh, less than a year to your hopeful MF date - that must feel strange! And wonderful, of course.

TBH it doesn't feel real!! We keep talking about what we want to do next year but its like a dream at the moment!

What another beautiful day today eh?! Back South now and its boiling! Long may it continue!

Its so hot my number plate has fallen off my car where the glue has melted - cheap car eh - you would've thought they'd have screwed it on?!!!

LauraJo

I have now spent some time going over all of my finances and have done the maths on my target. In a nut shell I think I can make my last general overpayment in Jan and then if I put my bonus (if I get it!) in at the end of March, that will be me done :j

I need to OP £3.5k per month which is what we have been doing - this means keeping a lodger, sticking to £100 food budget and hope the interest rates stay low!
I will then add my final work sharesave that matures in Nov (£6k for a £1.8k investment) and the £2.5k I still have from my last shareshave. I think I was lucky the shares did crazily well!
I then have a £900 OP for some extra work I have done and between us do another £3k of work between now and Jan (this is tough but possible). My bonus could be anywhere between nothing and £12k - the last 2 years I have got £5k so need to aim for £6k this year - again quite tough but possible if I work really hard!

I think it will be a really hard 6 months but its 6 months - that's nothing right?? I think we can do it.... :shocked:

MallyGirl

WOW - it must be great to have the end in sight

LauraJo

MallyGirl wrote: »

WOW - it must be great to have the end in sight

It really is - still don't think its real tho

hattifattener

Oh my God, that's so exciting! looking forward to seeing how the next 6 months pans out. What do you think you'll do? Stay put and live for free in your current place or step up to a more expensive home?

LauraJo

hattifattener wrote: »

Oh my God, that's so exciting! looking forward to seeing how the next 6 months pans out. What do you think you'll do? Stay put and live for free in your current place or step up to a more expensive home?

He he thanks!
I'm defo going to stay in this house - I like my house, its big enough and I would need to find about £300k for they type of house I want next and I don't have that!

Will probably not have a lodger (I like them in the house but OH doesn't!) and maybe go to 4 days a week if possible

Longer term plan is to retire early - life is too short to spend time working

Alchemilla

What a fabulous investment you have made in your future. Well done!