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A whole new world, for now
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I agree with Seasidegal - be kinder to yourself.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/257 -
Thanks peeps. The worrying thing is that I know the best way to be kind to me is to knock sugar on the head which in turn gives me so much more energy but that’s the one thing I currently seem incapable of doing. I was home all day Sunday and got some bits and pieces done around the house. I also cleaned out my business account transferring money mostly to premium Bonds while we figure out our priorities and plans. I also gave the offspring money to kick start an emergency fund though ds may need to use his to bridge the shortfall with furlough payments being less than normal income. DD kindly suggested that I give her allocation to her brother to help with his income reduction. I have said that that’s between the two of them.Yesterday my ibs flared up and is still causing pain. I started the medication yesterday but don’t take it when away from home so it generally takes a few days to get resolved.Right need to get a move on as the plumber to attended the client emergency is coming today to get the other jobs done.
today I am grateful for
being able to help the offspring
help from dh
a wee improvement in the furry faced one’s mobility since she started her new supplementsMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.9 -
Hope your IBS settles soon x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6
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Life sounds busy again for you. Well done on the gardening donation and the gym equipment. It’s good to know there are some good folk out there.How are your blood sugars these days - you did really well getting them under control a while back.January spends - £587.587
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Hope your IBS settles down doon.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
Yes I hope your IBS calms down. xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
Glad furry friend is improving. Hope your health does too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/255 -
Thank you all. Last night a decidedly impish dog met me when I returned home. Her spirits are definitely improving. Yesterday I had a video conference with a Dublin named client so have a wee bit of work lined up for later in the year. On a downside though, my main client’s insurance won’t cover use of gym equipment. The plus is that the plumber turned up when he should and we have matters addressed such as faulty toilets.DH got paid yesterday so along with the balance from my annual earnings, the emergency fund can be restored.
im taxiing the chef today so need to get going.
today I am grateful for
achieving my sb daily target
our builder turning up to look at damp issue
a happy happy dog 🐕Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.10 -
Hurrah for a happy dog. 🐕I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
Lovely to hear the dog is doing well! And that you have some other work lined up. And hurrah for the plumber! (Though a shame about the gym equipment, I wonder exactly what counts as equipment?)I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/227
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