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Get a grip !
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Thanks Babs. Feeling much better today. Will be relaxing for the rest of the day.Savings are currently £5558. Would like to round that to £5600 if I have enough left before payday. Savings are total of £300 a month so should be up to £7400 by end of this year. Should be £3600 next year so by Dec 2022 should have £11000 if I don’t move house/ downsize before then. Would like to have moved/ be mortgage free by Dec 2023. Maybe even before then if the right property comes along.
Then there will be another £200 a month freed up into savings making a total of £500 a month.(Mortgage currently £219.95 per month).
Still have £1000 in emergency fund & £300 in chair fund (for buying a working from home chair when mine eventually goes back to the office)0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Walked the dog in the rain this morning. Had a snooze then got a phone call from a friend feeling down so we went for a walk and back to mine for a glass of chilled rose wine in the garden as the sun had made an appearance by then. ☀️0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Well done you on savings, walking, meeting and cheering friend. I want good weather again!Aiming for a minimal spend 20222
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Can’t switch my brain off tonight. Rained all day here. 2 dog walks in the rain. Worked, but least said about that the better.All food from stores. Breakfast was 2 x cold hard boiled eggs with Mayo. Lunch tandoori chicken & salad. Dinner was spag Bol from the freezer with last 2 slices of garlic bread. Will be using up leftover bits & pieces until I go shopping at the end of the week.
2 x half tin mackerel in tomato sauce mashed on toast
1 x half tin beans on toast
1 x egg on toast
1 x sausage & mozzarella tray bake.Marmite on toast
1 x Peppered mackerel & crackers
1 x portion spag bol in freezer
1 x shepherds pie in freezer
3 x garlic chicken kiev
1 x cheese pizza
2 x teriyaki pork loin chops sliced with veg rice
1 x chicken fajitas with wrap, natural yoghurt & cheeseFriend has invited me to hers for lunch on Friday rather than going out. I offered to take something but she is insisting I don’t need to as she is making quiche and salad & home made cake. I might see if I can get a nice alcohol free cordial & the plan is to hope it is hot enough to sit outside.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
You could always do a mocktail from fruit juices, tall glasses over ice, maybe topped with soda or lemonade.
Meal plans look good.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Yum. I do hope the weather picks up it has rained by me for days. I want the sunshine back.Aiming for a minimal spend 20221
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It’s been full on at work this week so far. Late shift today so start at lunchtime. Plan for today
Back to Sleep until 7.30am
Walk dog
go to aldi
check online banking
work
catch up on everyone’s diaries
I had an email yesterday from MSE energy club to confirm the second part of my cash back has been paid. Total is £25 for switching gas & electric and the final £12.50 should be in my account.I have an email from u ber to complete a survey for a £5 Amazon voucher
I need to order one further 15kg bag of dog food from pets at home £38.99 to last until I visit DF in august. Then I will get 5 bags of our normal dog food which is around £25 a bag. (last bulk purchased before corona March 2020 £24.40 a bag direct from manufacturer) Dog food fund currently stands at £172.I got a few groceries delivered yesterday from deliver oo as they sent me a £7 off code & delivery was only 99p. I have had a craving for crunchy nut cornflakes and ice cold milk 😋 so I had a bowl yesterday & guess what’s for breakfast today 😉. I’ve tried the cheaper versions in the past but they are not the same so I don’t usually buy them. Also made a chilli for dinner. Total spend £5.20
Off tomorrow & visiting a friend for lunch
Saturday I am going into town with another friend. I have a 20% off voucher for mat Alan and need more summery cut off trousers/ Capri trousers. The plan is to get a cheap lunch. Hope the weather is better than the forecast!0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11 -
Yum to crunchy nut cornflakes and milk. It's great that you have plans for the weekend. I hope the weather is good. Well done on groceries. Well done on extra money from utilities. I hope work goes well it is nearly the weekend.Aiming for a minimal spend 20221
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I wrote a long post this morning but forgot to post it & was too tired to do it again 🙄
Walked the dog in the rain this morning. Day off work & drove to friends house for lunch which was yum but had to eat inside due to the weather. Quiche, boiled new potatoes & huge salad then strawberries & cream 😋 Had a lovely catch up too.
I tried to do the survey yesterday but it ruled me out as soon as I put my area in 😕 so no voucher coming.I went shopping before work yesterday and spent £46.67 in aldi 😱 My budget was £30 ! I can’t even work out why it was so high. Will just have to try & stretch some of it over 2 weeks.The sun has come out this afternoon & am enjoying a cold drink in the garden 😁0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
I am glad you are enjoying the weather. I wonder if you were overcharged for your shopping? I hope the weather stays nice.Aiming for a minimal spend 20222
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