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Prosperous soul in the making
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Thanks MF - I now have my new laptop. It seems okay so far but I need DH's help to sort out the 'office' side of things. Of course - he's napping. DD has claimed a grey velvety lampshade to replace the teal one on the lamp in her room. It was from the crystal lamp stand I bought the other day - where I had swapped the lampshade for a bigger mustard yellow one.
Today - I have sprayed a lamp stand silver. I also sprayed my fire pit silver as it was rusting - hopefully that will help preserve it. DD has been making helping me declutter the living room and get more organised. (2 hours). We've part filled a charity bag - and the 4 drawer basket unit I wanted to get rid of is now empty ready for probable pick up Tuesday. We also pretty much emptied 3 baskets from my ex-lounge unit in the garage to make space for what I want to keep in the lounge. 1 basket has paint stuff in - but not yet filled the other two. I've put the dustbin out - I am hoping my next door neighbour has some spare space - as we have at least an extra couple of bags to put in it. I tend to put extra stuff in after it goes dark LOL - but they do know as I've talked to them about it in the past.
I am hoping I get used to the noise of this keyboard as it sounds quite noisy to me right now. It is a harsher sound than the last one. The screen is slightly bigger which is nice - and in theory it is lighter than my old one. I had dropped my last one so many times - that recently the side holding in the screen chipped. It wasn't a total surprise it decided to slow down and give up on me. I think I need to get in the habit of sitting at my new desk more - especially once I bring an office chair and screen home with me - I forgot last week. I may then plug this laptop into that too - and then the noise might be less irritating.
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 29/7/255 -
Hope the new laptop lives up to expectations. I am used to mine now and so pleased I made the change a couple of months ago. As with everything, it isn't until later you discover the small niggles. Forgetting the last laptop, which wasn't a patch on my old Thinkpad, the bits I am missing are - keyboard light and something to indicate when locked on Caps. Apart from those 2 small things, I am really happy with mine. I always buy as small as possible because I want it to be as portable as possible. Hope you are happy with yours once it is fully set up Savings.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
Busy, busy Saving Holmes. The house renovations sound great. Difficult to decide about when to move - sometimes the whole move takes much longer than we ever dream can be possible. 3 months at the very least. How about testing the market? Or going on the market ready for next spring? That could potentially give you a summer move. It sounds like you have got itchy feet to move and change lifestyle.3
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Tahlullah.H said:Hope the new laptop lives up to expectations. I am used to mine now and so pleased I made the change a couple of months ago. As with everything, it isn't until later you discover the small niggles. Forgetting the last laptop, which wasn't a patch on my old Thinkpad, the bits I am missing are - keyboard light and something to indicate when locked on Caps. Apart from those 2 small things, I am really happy with mine. I always buy as small as possible because I want it to be as portable as possible. Hope you are happy with yours once it is fully set up Savings.Blackcats said:Busy, busy Saving Holmes. The house renovations sound great. Difficult to decide about when to move - sometimes the whole move takes much longer than we ever dream can be possible. 3 months at the very least. How about testing the market? Or going on the market ready for next spring? That could potentially give you a summer move. It sounds like you have got itchy feet to move and change lifestyle.
DD did her exam today and it seemed to go okay. DH took her and I picked her up as she didn't feel up to riding. Neither of us can take her tomorrow and DS is no longer on the insurance so she will have to ride then. DS has had his student loan and refunded the money he owes me - so I got £310 back. I couldn't remember why we were so low on £ in terms of EF etc so was feeling bad about it - when I remembered it was partly due to him and he'd had his student loan through so could pay up. I am effectively going to put the money back in savings rather than pay debt with it so we have a 'cushion' again (especially as all our borrowing other than the mortgage is free currently).
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 29/7/253 -
Somehow I missed your update yesterday!
The laptop arrived quickly, hopefully it's all set up for you now. If you do grab your screen from work, make sure you have the right cable; the two laptops I have from work use different cables which was annoying having to buy yet another cable.
With the noise from they keyboard, are your nails catching the keys, rather than your fingertips? It may be worth consciously watching how you type in the morning; I am assuming you do touch-type.
I like how DD is getting you sorting things out, she really is coming out of herself lately. I do enjoy hearing about how she is getting on 😊
DS came through then. Is he any closer to getting his prescriptions via the NHS? I know you mentioned it a little while back, but don't recall an update since 🙈. Hopefully he will make is funding last a little bit.
Having your savings going back up will be a relief and eases pressure a little.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Good points - I will ask DS to chase the NHS letter. He has tried but no sign yet. I am not going in work tomorrow now so not sure how I will get a chair or screen. I may go in next Monday when the workmen are here and go straight in and out. I am a touch typist - I did a course at 15!! at night school when they still allowed under 16s in the classes. It is just a noisy keyboard - but bear in mind I am noise sensitive anyway. Having spent £200 (cough) on an ultra quiet keyboard for DH I am even more aware of it than normal LOL. The screen itself is bigger and brighter. I've just ordered a separate keyboard (£18) for me and a new mouse for work as my wrist has been hurting with the non-ergonomic mouse they supplied me. I normally just swap over my own - but I thought I'd try the ordinary one - but regretted it today. I am going to just put in on expenses I think....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 29/7/254 -
I use a Bakk3r 3lkhu1z3n keyboard, only downside is it doesn't have a number keypad. Might be worth a try if your replacement one isn't how you hoped.
Non-ergo mice are not good, but finding the right ergo one makes a huge difference, as you've seen.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Well I got up early today and finished prepping for my meeting which went well. I got good feedback. I also used my new makeup so felt a little more presentable. I then took some time for me and walked the dog while it was still sunny. Did a little more work. Took DD to the gym (made her walk back). Picked up some meds for her. Did another hour's work and clocked off early. I then spent what felt like 2 hours sorting my car insurance and dog insurance out. If all goes well - I will get some cashback - however if they don't treat me as a new customer they may not pay out... I've ordered some TP from Am**** again as struggled to get it on my delivery!! A bulk buy of 72 !!! rolls on the way. I think we may survive on that for a while LOL.
My new hob came - to be fitted next week. We checked the ampage at the fuse box and it's 32 which matches the hob which is fab. We will then move the oven to the new unit we are due to put together. DD will hopefully dye my hair tonight and earn a whole £6. DH needs to sort haircut. Not seen it this long in years! I am feeling so much better about £ now DS has returned what he owed us and we've got a transfer sorted. It means our EF can stay at a healthier level and we can still get work done. DH still needs to sort insurance. He asked me why I didn't look at insuring DS on my car.... hmmmm I wonder LOL. I will update signature (negatively) to reflect transfer (boohoo) but I don't regret it currently.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 29/7/252 -
wow - i'm tired just reading that. be careful with insurance and children - it can be easy for the insurers to be difficult should an incident happen while your DS is at the wheel - esp if they could claim he is in effect the main driverI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
MovingForwards said:Non-ergo mice are not good, but finding the right ergo one makes a huge difference, as you've seen.
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