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I’m taking control of my life, now.

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  • @GeorgianaCavendish. Thank you. He does inspire, it’s how he lives on now. 

    Thanks for the tip on Amazon, I’ll check it out.

    Paws


    Debt Jan 2017 = £42k
    May 2022 = £15k
  • Good Things
    • Spent a nice day with my mum on Saturday
    • She bought me a lovely Christmas planter
    • Tidied out the dresser drawers, and the bathroom cabinet drawer. I have been watching ‘sort your life out’ and been on a little mission this last month.
    • Finally extended the tumble drier hose to fit out of the wall vent. It took 5 minutes. I have put this off for 8 years.
    • Have made £22 profit doing the forbidden thing. 

    Bad Things 
    • The forbidden thing felt like a lot of effort tbh and was quite stressful. Will decide this week if I will continue 
    • No sign of my other expenses
    • Did succumb to a little Amazon spend - some little bobbles that you put on your blind cords cos they’re a bit unsightly 
    Spends - Lidl 21.53. Amazon 6.99

    Saintliness - 6/10
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • CL21
    CL21 Posts: 253 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Just catching up @boxofpaws you’re doing so well. I did have a chuckle about the 8yr procrastination - I have exactly that problem also and then after I’ve done whatever job I’ve put off, wonder why it took me so long 🤣 
    Credit Card 1 - £6249.99 £4,900
    Credit Card 2 - £13,481.47 £12,985

    Total debt - £19,731.46 £17,885

    Emergency fund £930
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love the saintliness score. 

    I get that you don't want CCs.

    On the bank account - could you create a 'sacrificial' account with an existing bank - stick 2 direct debits on it - and then switch that. I created one in July - and switched it now...  o:)
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • I get your thinking on the bank switching. We were with N@ti0nw1de for EVER - I got my first account with them fresh out of school, then when MrEH and I wanted a joint account we opened that there and he opened a sole one too. Loved that they were a BS not a bank, loved the service, loved the little extras you got with the accounts. BUT over time small annoyances crept in, for us - they clearly ideally want folk on paid accounts now, so are stripping all benefits away from the ordinary ones, losing our travel insurance from the joint account was a last straw. My very old solo account it going nowhere, but we have taken the plunge to switch the joint account to Sant-And-Er and have been paid the incentive for that. I’ve also now opened a second account there in my own name for an eventual switch to FD - but my current plan is that will be it for me for a while. I’ll be waiting for a future incentive offer there too as I want to let the Sant-And-Er “sacrificial” account settle in first. 

    Also love your saintliness score, and am now wondering if I need to explore “sort your life out” or whether it will be a further rabbit-hole I don’t  need…! 😂
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Also love your saintliness score, and am now wondering if I need to explore “sort your life out” or whether it will be a further rabbit-hole I don’t  need…! 😂
    I have considered the same thing. What channel is it on?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • @CL21.  I think by procrastination to effort ratio, that might be the longest. 
    @savingholmes re bank. I could do it to anyone other than FD who were so nice, it would feel like stealing. I’ll look into which banks I don’t mind stealing from. 
    @EssexHebridean and @savingholmes  - it’s BBC, but there’s an even lovelier version on my5 with Nick Knowles. It will make you want to put things in labelled baskets so don’t watch unless you have a big basket budget. 

    Debt Jan 2017 = £42k
    May 2022 = £15k
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have given up my TV licence so can't watch unless goes on Pr1me.

    Good luck with the bank account idea.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    Morning all

    Good Things
    • Cleaned the car port
    • Mr Paws had a better day with his dad yesterday (bit of a long story, for another time)
    • Work expenses have appeared
    • Still mostly eating out of fridge, although did have to buy some chicken to make dinner for friends tonight 
    • Mr Paws has gone to the motorbike show with his friend, which is nice. See also Bad Things

    Bad Things
    • My lovely car has a ding in her door. What animal would do such a thing? 
    • Mr Paws asked for my credit card for the bike show. (Where did the eek emoji go?)

    Spends - £6 on chicken

    Saintliness 8/10. The missing 2 is for dutifully handing over my credit card.  But he deserves a treat.

    Debt Jan 2017 = £42k
    May 2022 = £15k
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think he deserves a treat too.

    Well done on the carport. Always nice too when expenses come in.

    Hope you have fun stuff planned for you too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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