Prosperous soul in the making

DancingInTheRain

Excellent news on the uni accommodation.
Good luck on the next leg of your debt free journey x

savingholmes

Thanks Lucielle, MF and Dancing. DD has helped put MY clothes away today in our bedroom and is going to help me do some decluttering. I also had a nap for an hour or so. Feeling good. Right off to explore other diaries now to help keep my motivation up.

savingholmes

DH and I took pooch for a short walk. I have set aside another bag of stuff to give away to my sis. I've binned some more things. I have emptied 2 or 3 boxes of books and personal journals back into the unit that we moved into the garage. We may now move a mini bookshelf out of the coat cupboard in the hall and then stand it on top of a different drawer unit in the garage. We could then move some more of our shoes into the garage and see what's actually in the hall  cupboard - and let some things go. I am getting some rechargeable lights to go in the understairs cupboard and in the coat cupboard and hopefully that will encourage their use. I am also planning to put 2 sets of craft drawers in the coat cupboard to free up space for DS in his room. Mine are still in there.

Today I spent about 3 hours filling out pension questionnaires re DB potential transfer. I have a call with the company tomorrow. Hoping that goes well. I will also have to part with £495 for them to do the review element for me. Hope it turns out to be worth it. 

ohdearhowdidthathappen

Just caught up, brilliant news on your son's degree and new financial freedom.  Icing on the cake not having uni accommodation either.  How lovely to potentially be debt free early next year too

hugglemonster

Excellent news all round, I hope the pension works out in your favour too and all plans continue towards debt freedom!

H x

savingholmes

Thanks OhSh... and HM
Well I had my pension call. They will discuss with their compliance team my chance of being allowed to transfer before I commit to paying the £. They may again not touch me based on age. If that is the case I will probably have to pause this for 5 years which would be frustrating. It would reduce the risk for my pension but it also reduces growth potential. We are convinced the government and pension schemes are somehow colluding to reduce how many years your can draw your £ for. I find it so annoying. It's my £.

I am going to take a break for a bit and unwind before logging back on to work. I'm going to water my veggies and see if any of my potatoes are ready to come out... 

longway2go

SH amazing news about the fees not having to be paid :-)
You have really clear mini goals set and as you hit one it will keep you inspired. It really isn't 2 long to wait now to be debt free.
Excellent progress 

Chrystal

I'm keeping my fingers crossed for you SH with regards to the pension.It must be really frustrating, but if it doesn't happen yet try to stay positive as everything else seems to be falling into place. (((hugs)))

savingholmes

Thanks longway2go and Crystal.
On the pension I am trying to think it all happens for a reason - and that I should be able to do it in 5 years time - IF they don't change the law to stop me. If anything though the costs of doing it are increasing because of government involvement which is very frustrating. I should hear a hint at least tomorrow. I am also hoping that in 5 years time - if we have to wait that long - we will be able to show ourselves as debt free and having majorly increased DH's pension which should make them less cautious. 

Went for a very short walk with pooch and DH but it started drizzzling so we returned quickly. Tomorrow we get rid of the old chairs out of the garage. Hopefully DH will put my new desk up too. Of what I unpacked I am liking what I bought so far.

PositiveBalance

@savingholmes your son sounds like a. complete star, as are you!

Congratulations on juggling so many llstss successfully and keep it up - it is clearly working!