In the nick of time
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Lovey crochet items MFD, must help with relaxation and mindfulness too.May 2024 - part 1 - £29,628 part 2 - £24,612 Total - £54,240 42 months to go!2
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The crocheting looks lovely - I especially love the emerald and white cardiAchieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £5.1K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
The crochet bunny is just too sweet. Love it.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20233 -
You're so organized, I love it.
I'm glad you're feeling a bit calmer, just remember that if you feel less so in the future then it's still okay! Ups and downs are to be expected.
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Is OH offering more than he did previously, which is why he feels its a fair amount? Do you feel up to the challenge of detailing why he is not contributing fairly? Sometimes, it's easier to go with the flow rather than get into another battle.
Good news the alcohol consumption appears to have reduced.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
This week is on the whole a lot better than last - i just hope it continues as I felt better last month and then got hit with more drama. I have said once or twice that I will reach the end of my rope at some point, so he needs to pull himself together. His mood seems totally normal, not low, but I'm cautious of dismissing something as much as I'm suspicious of him.
I've just deleted a big explaining post that put OH is an even worse light around the bankruptcy episode - on the whole he has probably averaged around £600 per month. I was fine with that when I thought he was my partner in life. Now I wonder if he is only here because I make things easy for him. As I said, he is acting normally, like nothing happened. That concerns me as he did before too. He has said me dwelling on things stops him/us from moving forward. I was a little upset the other night (bedtime again) and through his apologies I said this back to him and he was sorry again.. Anyhow , I did challenge it. He said during his excuses we have an unbalanced relationship, I think my response was, wow, of course we do, he reduced to part time work without any discussion, which then reduced his income further and made my income more dominant. He chose to sit back on his heels in 2012 and take a comfortable job rather than training for a better paying position. It was ok because he was so stressed and I got my husband back, the girls there father. Him also having too much disposable income worries me about booze. He has spent all of his savings (less than £750). He has probably drank away a small fortune in recent years.
Anyhow
baby news - placenta still low. Another scan in 2 weeks to see if csection is needed. Baby is measuring big (tall daddy) and has lots of hair
Money - yet again I have left myself short. I have a crown to pay for in 2 weeks and I have miss counted my savings. I will never get my bonus interest if I keep diving into the account.
Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20224 -
Hi, I’m glad things have been better this week for you mfd’s 🙂
2022 MFW 67 - 33 month challenge to clear mortgage, currently month 19 🙂MFI3 No.123 -
Glad to hear you are having a better week MFD. He sounds very lucky to have you. Well done for challenging and not accepting the responsibility that he seems keen to place anywhere but on his own shoulders. As they say 'he's done the crime now its time to do the time' - he needs to prepare himself for a long slog in proving himself to you if there's going to be any chance going forward (and that includes looking at the past even though it might be uncomfortable for him). Sorry I can't remember if you've considered couples therapy and whether it might be something you would consider as a support.
Look after yourself, lots going on at the moment. SS xxMortgage 31May est. £183,500 £244,947, Ends Jan'38 Jun'39 (target Feb'31)
H2B Loan Est: £75k (accord to NW) - saved for Jun25 so far £15
EF £6,325; Personal savings (PBs/ISA new car fund): £2200
Check Seven Goals Regularly; Work-life balance.
Celebrate being 60; Be 'Good Enough'
Books Read: stuck on no.6 in 20245 -
So sorry you are still in the middle of this great if he has stopped drinking but I know the stress of always having to be on high alert which is not good for you or him. I can understand your feelings around the unequal relationship regarding money. I would be resentful too and I would expect him to do everything. Hope you have someone to talk to and good the baby is still on track will be one less stress out of the way hopefully. HugsSave £12k in 24 No 50
PB Win 21 £225, 22 £275, 23 £900, Balance Mar £30,850 + £12K added to pension) (Wins 24 Jan £200 Feb £150 Mar £75 Apr £125)
Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
I had a long chat to my sister last night. I got several things off my chest. As she's usually in the middle east we talk through whatsapp and her voice messages. So it was nice to speak to her as this week she is n Paris. She has been planning my niece's wedding - so we all have something nice to look forward to.
DD1 is the priority this weekend. It is her baby shower tomorrow and she wants a balloon arch. She has bought 200 balloons for us to blow up today! I have said I will help her if she does my hair I'm worried how Im going to fit the post baby colour in
She has after all, been diagnosed with gestational diabetes. She has no plan yet from any specialist, just a call from the midwife to inform her. She has always been a sugar fiend - but she has naturally reduced her tea and coffee intake during this pregnancy. Still, depending on her next scan she may not make it to term. The baby was measuring big last week around 3weeks bigger than expected.
I do need to be careful with money this month. I have forgotten about tomorrow's expenditure when doing my budget. I will end up paying for mine, both DDs and GD meal. £100. Then I have a crown to be fitted the week after £300. I also have a retirement meal to attend £30. petrol £30, and food - approx £100. I have in my current/instant accounts £660 plus £30 cash. So it should be doable. I think OHs car need MOT this month. I only have £150 in those pots right now after all of last months bills.
I really need to fill the holiday pots/annual bills next month as I'm stumping up the hotel costs for my niece's november wedding down south.
Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20225
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