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The Happiness Fund.

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Comments

  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to see you had a good time and the money situation is settling with the help of your Xmas fund. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Welcome back, I'm pleased you both had a good time.
    Hope you feel better soon.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 28 December 2021 at 4:51PM
    Thank you ladies, I'm fine it is just a slight cough now and blocked nose. I have done a bit of marking and taken all Christmas decorations down including Henry. I cannot believe how dark it is outside. 

    OK you know that perfume i ordered, it is the wrong one again it was the same colour as the DKNY one but i didnt realise the name was slightly changed. I will wait for it to come, it is only for wearing inside the house. If it doesnt smell of apples i will sell it on facebay along with the other one. 
    Aiming for a minimal spend 2022
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    The light has just appeared outside after a misty start. Today i will finish my marking and start tidying the spare room which has all my Christmas decorations in it helter skelter. If poss i will list one unwanted perfume for sale.

    I am happy to be resting at home it is such a luxury after the last 4.5 months of work.
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    The benefits of free time are underestimated, take as much as you can.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    So pleased you had a lovely Christmas SW. Hope your cold has cleared and you can rest now. Perhaps your New Years resolution should be to stop buying crap perfume from the internet 😆
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    To be honest i have loads from last year I think it might be. Ive been up since 3am as couldnt sleep and now I feel tired! Last few bits of marking to do today. My storage room looks like a total mess. I must look at it! Payday tonight. I cannot wait till credit card is paid off. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Pick and make one resolution and stick with it.
    Look at the storage room and run away. Dive in tomorrow and do 15 - 30 minutes.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 30 December 2021 at 7:25PM
    That is sooo funny. I have been too scared to go in there. In reality it will take about 30 mins to sort it as i am a minimalist but I have done marking today and am feeling brave enough to face it tomorrow. Payday tonight i am sooooo happy.

    I am just thinking ahead, I hope to start to save £50 a month extra towards retirement if i can in the new year. So my new OPs and savings will be £850 a month instead of £800. All my savings are in my mortgage fund and that will be gone in 3 years. I tried to have minimal spending last year but it could still be better. 

    The new job involves preparation every night and weekend but will be worth it in the summer. It would be great if i can look after my garden this year, if i can find some time closer to the summer. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Do you have an offset mortgage? If so, open up a different account for your £50pm and let that build up as savings. It doesn't feel good seeing nearly every penny vanish and is unsettling, you can combat this with a regular saver paying reasonable interest.

    Hopefully you'll free up time by doing all the prep and be looking for ideas to transform your garden.
    Mortgage started 2020, aiming to clear 31/12/2029.
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