My "Out of the Rat Race" adventure.

edinburgher

I cannot work out the free bingo site for the life of me! Can I have another clue please?

I am enjoying your infectious enthusiasm, reminds me of SHS's diary, you must be distant relatives!

There_Is_a_Light

edinburgher wrote: »

I cannot work out the free bingo site for the life of me! Can I have another clue please?

I am enjoying your infectious enthusiasm, reminds me of SHS's diary, you must be distant relatives!

Cheers Edinburgher:beer: another clue:eek: You have to do this for your supper:D:rotfl:

I am not sure who SHS is but they sound great:cool:

Just hope I can maintain my enthusiasm for 4 years. However after the last 2 days of 14 hour marathons at work has spurred me on somewhat.

Queenofmyfamily

Your diary resonates with me as I'm currently aiming for FI and early retirement.

Love the idea of 'can't afford staff'! Will use that when I'm tempted to eat out/get takeaway when I'm tired.

Must confess I'm intrigued by the free bingo site but, like Edinburgher, need another clue.:o

There_Is_a_Light

It's only bladdy Friday:j

Mr Light is still snoozing in bed while I update the YNAB budget and check on our progress so far.

It has been a good month for free money from bingo/surveys/selling stuff and my No Spend Christmas fund is up to £238. I also have around £25 pending in various accounts so just over £100 to reach my target. If i can do this by July then I will start another pot for a No Spend holiday fund. Or maybe I can swap it to no spend holiday fund seeing as though I actually go on holiday in July. I'm confusing myself now.

I am definitely applying for the online tutor job, deadline is the 30th of this month. If I get it then it might be very handy for an easy bit of income once I am FIRE:D I have also been accepted to the final stage of the recruitment for exam marking and now have to do some sample marking to check that I can do it properly so just waiting for that to come through.

Definitely catching up with my boys this weekend on Skype, I do miss them so:(

There_Is_a_Light

Queenofmyfamily wrote: »

Your diary resonates with me as I'm currently aiming for FI and early retirement.

Love the idea of 'can't afford staff'! Will use that when I'm tempted to eat out/get takeaway when I'm tired.

Must confess I'm intrigued by the free bingo site but, like Edinburgher, need another clue.:o

Its S ! N G bingo :cool:

There_Is_a_Light

Great day all round yesterday. Had a lovely long walk with Mr Light along a local walking route around where my family used to live where I grew up. I was delighted to find a walk information board with a picture of my Grandad on it from when he used to go walking with his pals. I remember my Mum telling me that he had his picture while out walking with his friends and that he was going to appear on a notice board along the walkway but I have never seen it. Made me a bit teary as it was badly damaged by local idiots but his picture was still clear. I am now on a mission to source the original.

My Grandad was more of a Dad to me and he sadly passed away 3 years ago. Still missed every day and I am thankful for the love of walking and simple things that he passed down. A daily walk with Grandad to see the horses in the field or down to the local beck was something I looked forward to daily as a child. Not on a Sunday though...........that was the boozer day for him:rotfl:

Today is almost a team reunion from my previous place of work as out to lunch (budget £10) with 2 of my ex work friends. This evening is a curry night (free) at another ex colleague's house. Happy (cheap) Saturday :beer:

There_Is_a_Light

Thought that seeing as though I am actually on the MFW board I should post about the mortgage situation. I have read many Savings V Paying off mortgage debates, here are my thoughts.

Our outstanding mortgage is £24,362.47 with a term remaining of 7 years 4 months (as of 31/03/16). Interest is currently 1.49% , last month's interest was £31.07.

Seeing as though the interest rate is so low I have decided to save in higher interest paying accounts with an aim to be Mortgage Neutral by the end of the year. I am currently receiving 5% interest on 2 x current accounts and also 6% in a regular saver. The rest of my funds are in Stocks and Shares isa low cost tracker and funds.

I think that I am not crazy desperate to pay off the mortgage while I can still get these type of returns on my savings but like the thought that if I wanted to pay it all off I could and will if the interest rates change for the worse.

gallygirl

There_Is_a_Light wrote: »

I think that I am not crazy desperate to pay off the mortgage while I can still get these type of returns on my savings but like the thought that if I wanted to pay it all off I could and will if the interest rates change for the worse.

I think you're completely right. Being mortgage neutral is a wonderful thing to aim for. Having the choice to do so but being able to make more money elsewhere - excellent :j.

There_Is_a_Light

Happy Monday everyone, hope you are all being fabulous:j

Great weekend with friends and I got to speak to both of my boys :A Yesterday was a bit up and down and My Light and I bickered for most of the day, probably due to him being as rough as toast from Saturday night. We ended up in a Thai restaurant last night and spent £30:mad: _____________ line drawn

Anyway, normality is resumed with a fresh week ahead.

There_Is_a_Light

In an attempt to shed some lbs I have started a weightloss thread if anyone cares to join me

https://forums.moneysavingexpert.com/discussion/comment/70573291#Comment_70573291