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Project Mortgage Neutral Begins

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 10,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes, no pleasure if it is too cold, it can be too much of a distraction. Much warmer than it felt yesterday here though
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Struggling right now.  I am not posting for sympathy, more just hoping that if I put this down it might get it out of my system or help somehow.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It looks as though I should have enough in my budget to cover the GCSE course fee (paid on my credit card) without going into my February pay.  As it stands I have £46 in my account not earmarked for anything and I can't see why I would need to spend all of that, it definitely helps not having to use my car as much.
    I think this is the latest in the month I have checked what I will be paid but I have just filled that in to my spreadsheet.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    colours of dawn sound lovely - freezing temperatures not so much.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Suffolk_lass
    Suffolk_lass Posts: 10,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today I am going to call some of my friends and neighbours - just because I know we are all fed up at the moment. And we have started a "where shall we go, and which dates?" email with the three people (2 households) we normally go away with in July - small things but I'm trying to be more outward facing because I was struggling too
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Today I am going to call some of my friends and neighbours - just because I know we are all fed up at the moment. And we have started a "where shall we go, and which dates?" email with the three people (2 households) we normally go away with in July - small things but I'm trying to be more outward facing because I was struggling too
    It is hard to have something to look forward to isn't it?  I haven't started on my holiday planning list yet so maybe do some of that this evening.  I have been wondering about booking a camp site pitch somewhere in the summer in case we can travel a bit by then, I know once things start to get eased they will fill up very quickly.  If that fails one of my friends has a farm and she has said I can camp and have a break on their land, either in one of their fields or in the back garden which is fairly big.
    I know all this is a transition process for a rather large (to me) loss I experienced in November.  I was crying reading one of my books last night and that is usually a sign I won't sleep very well so I put on a guided meditation for self-compassion before I turned the light out.  It must have helped because I slept ok in the end so I might try a different one tonight.

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • Suffolk_lass
    Suffolk_lass Posts: 10,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't know if you do FB but there are several groups that report on wild stopovers and pubs with a field outside you can camp in if you buy your meal and a drink there (varying amounts of facilities, and varying welcomes, with some offering breakfasts) and our experience with our camper van is that there are a lot more quiet places to go with it - all the caravan and motorhome certified locations take no more than five for example. Going Sunday to Wednesday is a good way of avoiding the hordes (especially outside the school hols). 

    - I'm a great believer in meditation for keeping or regaining a sense of peace - I might have mentioned it to you before but I regularly use this one (one moment meditation) which I practised regularly when working and it just took me out of stressful situations there when I needed it - literally in a moment after doing it with him several times
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I don't know if you do FB but there are several groups that report on wild stopovers and pubs with a field outside you can camp in if you buy your meal and a drink there (varying amounts of facilities, and varying welcomes, with some offering breakfasts) and our experience with our camper van is that there are a lot more quiet places to go with it - all the caravan and motorhome certified locations take no more than five for example. Going Sunday to Wednesday is a good way of avoiding the hordes (especially outside the school hols). 

    - I'm a great believer in meditation for keeping or regaining a sense of peace - I might have mentioned it to you before but I regularly use this one (one moment meditation) which I practised regularly when working and it just took me out of stressful situations there when I needed it - literally in a moment after doing it with him several times
    Thank you for both suggestions, I will go and check them out.

    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My energy provider is or rather was gr££n network energy who have stopped trading today.  I saw a MSE fb post so have taken a note of my meter readings and will now sit and wait to see what happens. 
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the energy supplier
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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