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Get a grip !

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,425 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 27 February 2023 at 7:40AM
    Hello again from Yorkshire 😁 The move from the south coast went well but it has been hectic since I got here. Spending has been budgeted for 

    van hire £250
    diesel £90
    train fare for DS to get home £30
    new boiler £3600
    living room light £32
    kettle & toaster £40
    New bath towels (sale) £6
    Living room paint 2 for £22
    white paint ceilings & skirtings & sandpaper/ brushes £53.93
    Misc tool station & bnq 116.65 includes new loo seat
    emergency eye exam £30 (gel detachment) - all ok 

    Roofer is booked to come mid March £2750 including scaffolding. I’m just pricing up & choosing a new bathroom & wallpaper for the bedroom. 

    I got refunds from council tax, car insurance and breakdown cover after changing my address. I also told the car insurance I have retired as I am not working or claiming benefits and I am living off my savings until my pension starts. I may look for a little part time job when things settle down after 6 months or so. I am not going to have another pet as I don’t want the tie. I do miss puppy dog though 🐶 

    Im not sure what to do about this diary as I’m not going to be saving any more. I will always try to save on items bought using deals and vouchers. The majority of my remaining equity is now invested in 1 and 2 year bonds. I’m not sure how much I will be paid for February as I had to pay back some annual leave. New household bills are coming in for the new house. I have just paid car tax which was budgeted for. I have kept £10000 for next 12 months living expenses & £10000 for 12 months after and £12000 for house (boiler/repairs/ new bathroom) in an instant access account. 

    Today’s plans are to take completed application form to village doctor to register. Take driving licence form to post office to send recorded delivery with photo & ID for change of address as I have never had a card. Go into bank to pay the gas boiler man. Then more decorating 😁
    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
  • Spends and planned spends look good, planned spends refunds look even better and budgets will keep you on track.

    Perhaps do a new diary with plans for a month and an update on the previous one as you settle in.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • You sound really organised again. Impressive.
    Enjoy 'God's own country'  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,425 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 1 March 2023 at 8:10AM
    Thanks MF and dia. I have started a new diary 

    Escape to the country & living off savings 

    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings#latest
    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
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