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Prosperous soul in the making
Comments
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Well done on losing the 5lb.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
That's a great result on the weightloss, well done!"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 McGee1
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Thanks Mark, Jwil and HSL
Well last night I made a beautiful banana loaf. My first cake in years. The piece I've had so far was awesome. I was gobsmacked though at how calorific it was. I used a beebs recipe and it came to around 3200 calories for the whole thing. Think I'd best go slow and steady. DS has had some too and loved it. I think next time I'd be tempted to use less walnuts to lower the calories. Today I am planning a brined chicken meal with roasties and veg. We've ended up with loads of potatoes as we suddenly cut back. I am thinking I may also make a soup. DS is making chicken fajitas and dividing it into portions.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Great weight loss SHs.
I know what you mean about cake. I recently looked up the calories of a tiny square of cake I used to get. It had so many calories I never ate it again. Actually 3,200 for the whole thing seems ok. I've always found taking 1/3 of the sugar out doesn't affect the taste.
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) 25/0720253 -
Thanks DIA back on the diet tomorrow. Off the wagon today... cake... drools.
I've managed to book a recurring delivery slot with Mr A from the end of April until Sept!! I am so thrilled I could dance. DH doesn't get why.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
A 5lb weight loss is not to be sniffed at - well done!Debt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33002 -
Great news about the delivery slot!"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 McGee1
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Thanks PB and JWIL. One of my sisters checked when I suggested last night and managed to get a delivery slot for the end of the month so she's pleased.
Well I've just bought myself and separately for my dad a garden (GW) magazine subscription for £9.99 for 6 months for a print edition and £28 every 6 months if I carry it on beyond that. I figure that should help us get through lockdown. My parents need to shield long term - and due to health conditions we potentially need to as well. TBH I along with many others am likely to need counselling to be willing to go out and mix with people after this. And going back to work - where is the blue haired scared emoji when you need it?
It's lightly raining here. The garden is looking amazing. I have red robin bush/tree, a green acer and a burgandy leaved smoke bush down one side - and the colours and textures are stunning. My apple trees are in full flower - poking up from behind my shed, in another corner and at the front. My 'granny's bonnet' flowers are popping up some pink and purple. My pink geraniums are mixing with blue flowered forget-me-nots. We have a creeping white flower I don't know the name of - perhaps a similar idea to 'snow in summer.' I also have purple/blue bluebell like flowering bulbs at various points throughout my garden. Feeling blessed to be safe at home. Kids are still up in their rooms so peaceful!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Garden sounds delightful.
Well done with Mr A and recurring deliveriesIf 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) 25/0720253 -
DH was paid tomorrow but showing in bank now. He got around £64 more than normal - I think this reflects the NI change and him not buying food at work.
I am chuffed with Mr A - delivery only starts at the end of the month. We got a click and collect order today - about 20% missing off the list but expected that so wasn't too worried. I tried to order eggs, TP and pasta but it didn't arrive. We have enough though - I was just testing whether I could get it. We got about 10 substitutions - they were good enough.
I tried to cancel Mr Ms food boxes but failed - so only order if you are fully committed as no easy way to cancel. Weirdly though the costs are no longer showing on my pending items so not sure what is going on. The family meat box £45 was really good value - 2 x sirloin steak, very small beef joint (great a was missing item on Mr A), small gammon joint (ditto), 4 loin chops, 4 beefburgers, 12% fat minced beef, meatballs, 1 kg chicken, sausages and a beef gravy and a peppercorn sauce. The veg box £35 had 4 veg burgers, 2 x veg mince packs, 2 x veg heck sausage packs, baby potatoes, a cucumber, a bag of onions, a bag of carrots, microwave rice, spaghetti (great we'd run out), 2 tins of soup, cottage cheese, salted butter (result), a loaf of bread (result), 1 tin of H baked beans, a tomato and basil sauce, another sauce can't remember what, 4 rolls of TP (result), 1 roll of KP (result), 2 pints of milk (really for a week!!!). If we were actually veggie - the meat substitutes probably represent good value but I was hoping for more you know veg....They don't guarantee the contents so it could change again next time. All the above also came with ice packs and fleece in see through plastic - so thinking of trying the fleece and plastic on my veg beds to protect them and warm them up!
It's a nice bright day again here so hoping to do a bit of gardening later. My pain levels are improving. Last night DH and I walked the dog in the dark about 0.8 mile. I was limping a bit on the way home but generally my leg mechanics are improving and I can walk faster and more fluidly. Have a good day all! Currently roasting the gammon and beef for a roast dinner later.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254
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