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A whole new world, for now
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Hope your day at the client is not too stressful xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
It was dreadful. I had a row with a service user and am so annoyed with myself. Apparently I’ve invented all these restrictions and he should be able to come and go as he pleases. I’m so fed up. The staff including me are overcoming real anxiety at times to go in there and some service users are behaving like spoilt brats. It’s easy to get worn down by it.I am taking Monday out of there thanks to the bank holiday but have a socially distanced training session to deliver for another client at nine. At least it’s keeping me visible with them. I need to start focusing on what my business will look like post crisis.
on other news, the gardening skip was delivered this morning and the gardener is expected at any minute. I’m excited to see how big a difference there will be. I want to take a cuppa into the garden and sit at my £20 table and two chairs even if only for ten mins at the end of the day. If I do it now, I just get stressed about the stuff that needs done. Unfortunately the builder who is to Redon the steps etc., is still coping with the health issue of a family member so I’m not sure when his bit will be done.Right, want to get the kitchen properly sorted before picking up the chef. Today I am grateful for
positive feedback from a dog owner to whom I recommended our dog’s supplements
unexpected assistance from a staff member
a friendly but unexpected email from a family memberMortgage 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.7 -
I hope the skip and the gardener come today. Exciting! Congratulations on your win and glad you got paid.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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Hope you get to chillax in a revamped garden very soon. Outside space has never been more important.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 -
I'm so sorry to hear about the trouble at work. It must be so disheartening at times after all the hard work you put in there.
I hope you enjoyed your cuppa sitting outside in the garden today. 😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Great news on the gardener & the skip
Your clients sound like the odd client of ours. Luckily in the minority for us.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.6 -
& sorry but where did you get your chairs?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.6 -
I'm sorry to hear about your service user's behaviour. You shouldn't be treated like that, though I suppose some people just look for someone to blame.
The garden sounds like a lovely project though - perhaps you should put that ten minute cuppa in your diary so you have time to regroup and don't feel bad about it?
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 21/3/226 -
The garden isn’t yet at project stage. It’s ground clearing. Even my pots are overgrown in part due to my inability to distinguish plants from weeds. The gardener turned up late as he stopped off to buy some garden things but hadn’t factored in social distancing delays. That said, he made a big clearance so far and got two thirds of the way down the longest side hedge. Gaps are now apparent where trespassers had inserted themselves. Hopefully he will have a semi affordable plan to deal with these.Beanie, my little folding table and chairs were an end of season reduction in b&q last summer priced at £40. I had a £20 off loyalty voucher so the cost to me was £20. They are small but handy for a cuppa or to sit at for list making and collapsed they fit into what was the boiler house.Yesterday was an absolutely dreadful day filled with Health Service bureaucracy coupled with a complete lack of accountability. It was beyond dreadful for a service user and our staff. What made it worse was a senior clinician blamed a newly qualified fast tracked nurse. If they know someone is inexperienced, surely there should be significant oversight.
today we expect madness as others try to clear the decks pre bank holiday.Right, need to go face the world and an incredibly lazy staff member along with another who made an innocent mistake that they need to be aware of.
today I am grateful for
gifted dinner of stew for last night - my kind of comfort food
someone who could see what the problem was
a borrowed cardiganMortgage 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.8 -
Hope your Friday goes well.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.8
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