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Get a grip !

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    I hope you have a great day off. Well done on eating out and seeing friends and walking. Yum to Chinese. 
    Aiming for a minimal spend 2022
  • Work has been hectic this week & someone had a go at me on the phone yesterday, totally unjustified & quite rude. Reminded me why I want to leave. Long Term Savings up to £6000 this month. Hoping to be up to £7200 by December. 

    Moved money from savings pots onto my account to cover my expected credit card bill for dog food etc. 

    Remaining money this month will be put aside for when DF comes to stay in October. I want to take him out for a meal & he is helping me fit a new extractor fan & lights for the kitchen and a new shower screen for the bathroom all priced up and paid from savings. 

    Out later today with a friend. Tea & cake may be involved 😆
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    And you will move on to a better place, for now get through each day and smile when the money hits your account each month.

    You're doing well with savings, planning and budgeting.

    It won't be long until DF is visiting and you're savouring a delicious meal.

    Enjoy your cake, it's a must on a Thursday!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Well done on savings, that is brill. That's exactly what I do when I am stressed think of savings and retirement. It is so great that your dad is coming and you will both have fun. Did you say CAKE????? Yum. Enjoy. One day to go and it's a looooong weekend. 
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,443 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 26 August 2021 at 9:59PM
    Had a lovely walk with the dog this morning, it was cool and damp not exactly raining but damp enough to wet my glasses 🤓  We found an apple tree on the common and shared an apple. Came home & had a fry up & a snooze 😴 

    My friend came round after lunch and brought home made cakes with her 😁 So we had a short walk round the pond with the dog then came home and had a cup of tea and cakes while sat in my garden. After she had gone I did a bit of gardening & neighbour let me put the green waste in his garden recycling bin. Yay for nice neighbours 🤗

    It was such a nice evening another friend came round and we walked over the fields to McD and had hot chocolate and ice cream 😋 I paid (as she paid for drinks last time we were out) 2 x drinks and 2 x ice cream 99p each! 

    Lovely day off work! Legs are aching 😆 should sleep well tonight. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    That is a lovely way to spend a day, everything always feels better with cake and fresh air 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Thank goodness it’s Friday. Nice long weekend now as it’s a bank holiday 🤗

    Walked the dog this morning and hung out some washing which has dried while I was working & I have just brought it in & hung up & put away. I feel tired this afternoon, must be all the walking yesterday 😆 and I didn’t sleep very well last night. Am just relaxing for the rest of the day. 

    Tomorrow the heating engineer is coming to fit smart meters between 12-4. I will walk the dog in the morning then have a rest day. Sunday or Monday I will cut the grass again, it is growing so fast I will have to do it once a week to keep it manageable. 

    Savings for august 

    dog food £15 current total £50 
    (paid by DS in bills money)

    Household bills £100 current total £125. (Next bill is car insurance due Dec)

    Car fund £50 current total £730
    (to cover mot / service/ repairs / tyres. 

    xmas / birthdays £50 current total £180

    Long term savings now at £6000
    ISA emergency fund £1000
    office chair fund £300

    I am going to check pensions again this weekend and work out my budget for September. I’ve been told we have to return to the office at least one day a week in September so I will factor in a bit more for petrol. 
    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/p1
  • Have had a Chinese tonight as a bank holiday treat. Buy one get one free salt and pepper chicken and buy one get one free chicken curry with rice with delivery. Portions are huge & lots of meat. Enough for 8 meals cost £13.50 🤗
    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/p1
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Takeaway sounds lush, enjoy your Bank hols.

    Your savings are doing really well 😊
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 28 August 2021 at 9:39AM
    Yum, your Chinese portions are so generous. We just have one good chinese takeaway here and they never reduce prices as their sales are v high. Well done in having a bills fund. I just pay them monthly. Savings look great. Hurrah for long weekend. 
    Aiming for a minimal spend 2022
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