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Tales from The Shire

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Comments

  • Hi fortune smiles - I'd not been on here for a while but recently returned. I'm sure I posted on here a long time ago. It is good to see you keeping up with your writing and art and it's lovely hearing you post about your home which is nice to picture - especially when it's a dark wet evening like now and i can imagine your lovely countryside around - even if it's dark and wet there too! And your delicious meals - you've often inspired me to try new things so i wanted to say thank you  :) 

    Hi there Stripey - how lovely to 'see' you.  We are lucky to live in beautiful countryside here but I like to look on the bright side so probably make things seem far more idyllic than they are 😆  I wont ruin the illusion by talking about the rain, gales and mud 🤭  Thank you for posting such a lovely message.

    Fortune x

  • Suffolk_lass
    Suffolk_lass Posts: 10,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I just ordered filters for my water jug too. After a bad experience with a generic I buy the originals and paid £19 for 6
    Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
    OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry a second family member has c19. Wishing them a speedy recovery. 

    Good luck with your health and fitness goals.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Sorry a second family member has c19. Wishing them a speedy recovery. 

    Good luck with your health and fitness goals.

    Thanks SH - 2nd patient seems to have very light symptoms and both are on the mend.

    Fortune x

  • beanielou
    beanielou Posts: 96,602 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo  :grin:
    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.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the 10% OP. That sounds amazing. Also well done on doing something for you. 

    I was talking to a family member about £ yesterday and they were all concerned - whereas obviously on here it's normal - and out there it's still taboo... I think I'm doing alright I'm just trying to stay within budget and being open about it but they are obviously not used to people discussing such things...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Cheery_Daff
    Cheery_Daff Posts: 17,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the mortgage OP, and for watching TV in the bath, how decadent 😊😊 glad you got out in the garden - I confess I often ignore it at this time of year and wait for a bit of warmth. Brrrrr.
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