Over the hill and drowning

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  • fay66
    fay66 Posts: 744 Forumite
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    Thanks beanie , dont think ill be dating til after my op x yes he is a grouch this week as well. x
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • beanielou
    beanielou Posts: 90,369 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Apologies. I meant a date for the op.
    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.
  • fay66
    fay66 Posts: 744 Forumite
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    ooh lol silly me x
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • stvn1
    stvn1 Posts: 141 Forumite
    Debt-free and Proud!
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    You're doing great, the lodger was a cracking idea. Good luck with the op
    LBM 26/10/17
    Total debt at LBM - £15421.47
    NOW DEBT FREE AS OF 30/07/19
  • savingholmes
    savingholmes Posts: 27,443 Forumite
    Name Dropper First Anniversary Photogenic First Post
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    Just caught up on your diary. Glad your lodger is working out so well.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.9K on 0% spends card but offset by £34.25K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • fay66
    fay66 Posts: 744 Forumite
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    Thanks saving , bought salad at work . £2 today,Lodger cooked second par of stew we had yesterday, dogs had a small bit with biscuits,
    £10 petrol til i get my lodgers money tomorrow but get paid weds and a nice little bonus from work.
    had a good day at work, collected my target already for the month.
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • doingitanyway
    doingitanyway Posts: 8,778 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
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    I so admire you for taking on a lodger and making it all work. You are doing so well on the debt repayment too :)
    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.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • beanielou
    beanielou Posts: 90,369 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    How are things going with the lodger?
    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.
  • fay66
    fay66 Posts: 744 Forumite
    First Post First Anniversary Photogenic
    edited 3 March 2018 at 8:29PM
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    All going ok thanks Beanie. We both share supplies of toilet rolls, washing powder, just received his lodgings. £300
    Spent £50 cleaner due to my disability arthritis, etc
    £30 on hair, £88 in homebargains, petfood, strepsils, etc had tonsilities from tuesday to today just getting over it, due to weather had no supplies, bread , eggs, 2 big bags of pedigree complete , 2 bags of whiskas 2kg for cats for month.
    screens wash id ran out, bit of grit, toiletries, washing so all stocked up couldnt beleive how much
    Farmfoods spent £29, 40 sachets of whiskas cat food £22, cabbage , big bag of peas £3 birdseye i just cant swap,
    £50 petrol,
    paid all bills just a few to pay of direct debits this month,
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • fay66
    fay66 Posts: 744 Forumite
    First Post First Anniversary Photogenic
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    still no update on my ex. 7 years down the pann!
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
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