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Prosperous soul in the making
Comments
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I confess I have been procrastinating for 2 hours!!! However:
- Had a call with my mum
- Got DH to peel potatoes - they are now on the boil
- Prepared garlic/brined chicken - it's now in the oven
- DD is now out with the dog - and I put one load of her washing in the dryer and a fresh load on
- I got my third 5 star rating on Amazon for my book - Exciting times....
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 29/7/258 -
Congrats on the review and everything you've achieved today
"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 McGee4 -
Paid another £120 off debt. Get paid Friday. Then hope to make serious inroads into debt. Everything else with our direct family is okay. Have a good Monday allAchieve 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 29/7/258 -
Definitely taking slices off the debt!Mortgage started 2020, aiming to clear 31/12/2029.4
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Hi MF. Still only getting to sleep around 3 or 4am - it doesn't make it any easier to work afterwards... Well made it through another day WFH. My attention was shot though - so must do better tomorrow. I did take pooch for a walk part way through the day which was positive. Mr A delivered £53.64. Trying twice weekly deliveries to keep costs under control and stop having too much stuff in at once. We had a few subs but they were all fine. I mentioned we hadn't had crisps last week and the guys said they'd had barely any stock of anything. He'd never seen the like with people panic buying. Hopefully that will calm down again.
I've worked out to hit my writing target of first draft of book 2 by Easter I need to write around 625 words per day. Best get at it then... I may just catch up on here first...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 29/7/258 -
I don't understand the panic buying either, lots of empty or low stock shelves at L*dl on Friday but just adapted to what was there. We haven't been able to get poppadums from there for ages!!!
Hope the writing continues to flow so you hit your target.
H x8 -
The panic buying is strange isn't it? You would think that people would have noticed that the world didn't stop turning and we didn't run out of anything during the first lockdown or on 1 January as predicted for Brexit, so maybe, just maybe it will be the same this time? But still, I guess some people just feel better if they purchase the entire supermarket with no thought for others.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 Park7 -
Hi HM and Tahlullah. I think it's natural human behaviour. I haven't needed to panic buy as I already had stocks. Some people pre-virus just bought their food on the day. I think it is those people who get caught out the most... I started January with the mindset of using up some of what is in the !!!!!! and tin cupboards.... (the plurals probably give it away... LOL I am trying to have two deliveries a week so that I can run my stocks down without triggering my panic button... I keep telling myself I can just get it on the next delivery. I've set up a subscription for TP and tissues with Am**** so am sorted there....
I'm not having a very productive day (other than my walk). Let's hope tomorrow is better.... I have some planned meetings Wednesday - at least one of which I need to prepare 3 things for so that will help me get stuff done... How is everyone else coping?
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 29/7/256 -
I'm not looking forward to going back - as I have some of my least favourite things to accomplish over the next couple of weeks. I hope it all goes well for you tomorrow - at least you can lose yourself in thinking about plot twists for you novel if the meeting gets too dull
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
I used f and f together as abbreviation of for fridge freezer and mse decided I was swearingAchieve 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 29/7/256
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