Getting a Grip and Saving towards the mortgage

try_harder

Amazing figures as always Busy Mee1 ,you are tearing along and £80,000 by December will be brilliant .You are doing so well ,i really hope that i will be able to reach £30,000 by the end of the year thats as long as i dont spend too much over Christmas of course.

Busy_Mee1

Brrr it is cold today with flurries of snow. I am still on holiday today ( didn’t get back until the early hours this morning from our weekend away).

The weekend was great lots of good food, walking and places of historical interest. Unfortunately Mr Mee has been struggling with the lurgy all weekend and has now given it to me and I have the cough of a 80 year old lifelong smoker !

I am therefore not doing too much today, I have done the meal plans and first grocery shopping of February. This cost £47.99, which I was very pleased with. This included three packs of YS mince and I now have a vat of bologmaise bubbling away on the hob.

There have been lots of MS conversations with friends who retired early over the weekend and I really need to properly run our numbers to see whether retirement in April 2020 is a realistic option for me. I also need to work through the plan for next year’s regular savers. It won’t be today though, I am only fit to lounge on the sofa catching up with Call the Midwife whilst coughing

themadvix

Oh dear, hope you're feeling better soon and enjoy Call the Midwife - I've yet to watch last night's episode too!

LadyGnome

Hope you feel better soon. Great numbers as usual. I am slightly ahead on the mortgage;) but looking in awe at your savings numbers.

try_harder

Oh no ,i do hope you are feeling better now Busy Mee1

EatingTheElephant

Hope you feel better soon.

Busy_Mee1

Thank you everyone for the get well wishes unfortunately, the lurgy turned into full blown ‘flu. I ended up having the first days off sick from work in over 10 years and have been in bed for two days this week. I think I will be having the ‘flu jab next year. I never want to feel this ill again.

I am feeling better today and have at least managed to get dressed and make it to the sofa, but that was exhausting. On the bright side I haven’t been eating so I am hoping that when I get on the scales of doom I will have finally lost the Christmas weight. I have also been very MSE ....NSDs every day this week and I missed a couple of days away with work which would have meant an expensive meal and drinks out.
Other than that I have been reading a few diaries and vaguely thinking about MF plans but I have done precisely nothing. I doubt I will be getting much done this afternoon either as I have a date with the lovely James Norton in Grantchester. Much gentler then McM@fia :rotfl:

try_harder

Oh no ,not another person with this awful flu virus ,our friends are only just feeling better and they have been ill since new Year its just awful ,i do hope you will feel better soon Busy Mee1 i miss your cheery posts .Take care of yourself

Busy_Mee1

I am starting to feel a bit better apart from a hacking cough, but everyone tells me this lingers for weeks:( I hope I can shake it off soon.

I have actually left the house to go shopping today after 6 NSDs in a row....this being sick lark is good for saving money. This weeks grocery shopping bill was inevitably higher because Mr Mee came too:rotfl: However is was still a reasonable £68.87, bringing the total for February to £116.86. I am hoping that we can come in under £200 as we are away for the final week in February. Mr Mee treated me to breakfast at MaccyDs, breakfast with a free coffee courtesy of the little stickers he saves from the coffee cups, for under £4. Never let it be said that he doesn!!!8217;t know how to show a girl a good time :rotfl:

We had a retirement summit this afternoon. A proper sit down with our pensions statements and a calculation of how much we need to live on every month. The upshot was surprisingly positive and I can afford to retire in April 2020. This assumes me taking a reduced pension (-20%) This is -5 % for every year I retire before I am 60. :j:j It also assumes we continue to target savings of £100k by our retirement to enable us to pay the interest only part of our mortgage off. We will continue to pay the repayment part of the mortgage from our pensions for a further 4 years, and we will effectively get another income increase when this has finished. Another income increase occurs when we receive SRP.

This has really given me a boast, it effectively means I could be retiring in 25 months:T:T
I feel really spurred on by this and want to really focus now. I have started by switching a spare account to Nat West ......£125 for 10 minutes work. I want to start saving all these bits and pieces separately again. I think I am going to have an Odds and Sods account again as I found it motivating to keep all the !!!8220;free!!!8221; money totals separate. I might start using it to overpay the mortgage.....I need to give it some more thought

try_harder

That all sounds wonderful Busy Mee1 and something to really focus on and look forward to ,you will do it i know ,you are always very determined .

Glad you are feeling a bit better and i am sure it will improve as each day passes .