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Breaking Through, Travelling On
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Welcome back dearest Karma!
So glad to hear you well on the way to full health!
:j:j:j:j:j4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!0 -
Excellent health newsI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hi all :jcarbootcrazy wrote: »Thanks for the tip about there being a U3A online:T. I'll be having a look at that although it defeats the object of getting out and meeting people.
My nearest town is 7 miles away but it is very small and there seems to be so little going on there, definitely no U3A. There's the local Am Dram theatre group but someone I used to work with tried it and said it was very cliquey so she dropped out after a few visits. There isn't even a book/reading group which I'd really love. I used to do occasional evening classes there in days gone by but the local council seems to have cut right back on non-vocational courses now. The only ones they have on offer this year are ones I've already done:(
I sound a real Moaning Minnie, I'm sorry:o. Having a bad day one way or another. I didn't mean to dampen the upbeat vibe of this thread:o
As far as classes are concerned, maybe you could repeat one? There's always more to learn, more to practise. Or you could start a reading group of your own? You have a lot of energy, CBC, you're prepared to do stuff, I bet you could do that, even if you want someone else to lead the discussion.
A word on U3A though - 80% of what I've seen is daytime, which suits me - I still haven't been out in the evening yet, except last week when my brother drove us to Southport to see if we could see the Blackpool lights switch on across the bay (answer: not really, in the rain!).
Welcome back dearest Karma!
So glad to hear you well on the way to full health!
:j:j:j:j:j
Today is a dental appointment, yikes (but should be fine) plus banking the last cheque ever for work - for my last session ever, weirdlyplus a few emails and more getting-the-prunings-into-the-bin. Though yesterday's efforts finally uncovered the compost bin :beer: which had been mothballed below a 6 - 7 foot overhang of boundary hedge from next door
:o:o mea maxima culpa.
Checking on a few more diaries now :TSave2023: the year I get to buy a car0 -
Dental appointment was indeed fine, thank heavens - and I kept on at him to make my appointments six monthly, not annually. He's agreed. I told him the (true) horror story - at the May wedding, someone thought I had a dead tooth at the front of my mouth. I didn't - it was coffee staining! - but he took the point :eek:
Refund of £1.70 from Sainsbo - two of the six tins in their multipack baked beans were really badly dented. I let a single one go, to be honest, but two is too many, it's not fair. They were really easy to deal with, and a freefone number to boot. Can't say better than that.
Spending Diary (see below)
£2 2 x 3m birthday wrapping paper.
£1 next year's diary from Poundland, pink and sparkly :rotfl:
£1 liquid soap bottle - the bottle on the wall has died, I just want the squeezy thing
£19.70 NHS dental check up.
£1.70 nice M&S jam as a thank you for the neighbour who looked out for the house while I was away.
£25.40 TOTAL2023: the year I get to buy a car0 -
Lightbulb went off today, and some ideas crystallised. For ages, I've been getting by with “I'll do as much as I can” or “I'll save as much as I can”. Reading MvM's very precise forward planning has got me back into that mode, so I'm going to do two things:
- a spending diary on here for everything except the monthly supermarket shop. I'll include the total of the s'market shop, but not bother with the nitty gritty.
- I have a cash target to aim for! I'll still work at vouchers, money off etc, but the cash target is directly related to the pension: by the time my state pension kicks in (December 2020) I want to have earned £25,000 in cash.
- all online sales (Amazon, ebay, facebook, gumtree, whatever)
- kindle book(s) (two copies of my one and only sold this month, plus a copy was lent out via kindle unlimited and someone read all of it). I can do much better with some promotion.
- cat sitting - my niece checked out prices for house sitting/cat sitting - £200 a week in SE England!
- advertising.
- Amazon associates commission, and any other relevant affiliates I can find.
- design sales, when I get the cat ones up and running.
- financial wheezes that earn me money – bonuses for this that and the other, for instance.
Of course, I hope the kindle career takes off like crazy and I earn that sort of money every couple of months, and its not impossible, but it is unlikely.2023: the year I get to buy a car0 -
Spending update
20.86 split ticket to Merseyside for Christmas, including £1 insurance
14.89 the rest of the split ticket - doesn't include insurance, gulp.
35.75 TOTAL instead of £66.50
7.00 bus ticket to see my sister.
£42.75 day's TOTAL
Printing out the Statement of Intent up thereso I always have it available
Save2023: the year I get to buy a car0 -
Looks like you've been busy KC- I need to take a leaf out of your book!Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535
Retirement Planning
Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,5000 -
So pleased about the health news and love the positvity! Go KC!15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Progress not Perfection0 -
Brilliant news re your health
Looks like you are loving retirement :T:T:T
Tilly xxx2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Thanks all! I really *am* loving retirement - the things I'm doing at home are similar to what I've always done, in some ways (though I'm doing thorough cleaning/tidying/decluttering, as opposed to getting by :rotfl:) but I don't have to "save" my energy for other people's needs. That's the best way I can put it
This is my first full week at home after regaining such a lot of my health, and I'm not quite ready to trip the light fantastic just yet :rotfl: there's a lot of life admin and financial admin and just ordinary cleaning to catch up on. But I'm not going to focus on that entirely, I'm going to make space for some fun too
One booking this week, on Sunday: a games evening the first one for a long time as they were cancelled when my friend was ill with cancer. Going to be very odd with three of us, though sometimes her daughter may come along too. Thats a way ahead though, and for now I'll stick with today, back for a ta-da list later on.Save2023: the year I get to buy a car0
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