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Prosperous soul in the making
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An example of food price increases...I eat loads of courgettes. They were 90p a kilo at their cheapest now at £1.29 a kilo at their cheapest. It is okay and I am thankful I can afford to eat well but prices generally for fresh veggies are on the up.
Well done with the consistent writing.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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720257 -
Thanks DIA. Prices can be scary. Veg prices are seasonal so I can understand that... Feel DH is sabotaging. He's just taking DS to the chicken place. Hope he's doing it out of personal spends as only £20 left in the eating out budget an the K place absorbs that even quicker than M. I also want it to last for later in the month...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/257 -
It's hard when your partner sabotages. H is terrible for wanting to make a big purchase just prior to payday. He doesn't like waiting but I think he is starting to see the benefit nowsavingholmes said:Thanks DIA. Prices can be scary. Veg prices are seasonal so I can understand that... Feel DH is sabotaging. He's just taking DS to the chicken place. Hope he's doing it out of personal spends as only £20 left in the eating out budget an the K place absorbs that even quicker than M. I also want it to last for later in the month...Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20347 -
Do you use all of the groceries you buy or is anything being thrown away?5
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DH is paying for takeaway himself this time.clearmydebts said:
It's hard when your partner sabotages. H is terrible for wanting to make a big purchase just prior to payday. He doesn't like waiting but I think he is starting to see the benefit nowsavingholmes said:Thanks DIA. Prices can be scary. Veg prices are seasonal so I can understand that... Feel DH is sabotaging. He's just taking DS to the chicken place. Hope he's doing it out of personal spends as only £20 left in the eating out budget an the K place absorbs that even quicker than M. I also want it to last for later in the month...
I know the feeling re big purchase. We're each getting better. Having said that - asked DH what he'd like to do with his life if £ was no object... become a h3lic0pt3r p1l0t.... £10-55K cost depending on whether private or commercial licence... Potential salary sounds good though £55-120K - average £82K from one site... I'm not sure there's that much £ down the back of the couch but could give it a go....
We still waste some food but again better than we were.WelshKitty85 said:Do you use all of the groceries you buy or is anything being thrown away?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
Glad you've had a good day with the book.
"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 -
Used to be free training in Europe and some carriers used to do it free too, that changed years ago.
Unfortunately, as you kindly pointed out, there's one of the relationship dealing with the purse and the other leaves them to it.
Mortgage started 2020, aiming to clear 31/12/2029.4 -
Hi Jwil - feels like I've had a good day. Now at 22115 words. It's always a moveable feast - and I write far more words only to edit (lose) some as I go and then have to write more. Enjoying it though. DH and I were brainstorming an action scene earlier and working out how to rescue a particular character in a believable way. I feel better able to write it now - so grateful for that.jwil said:Glad you've had a good day with the book.
If he wanted to go into the services - potentially could still get free training - but neither of us would be willing for him to commit to that. I'm just trying to encourage him to see the long game and work out what he'd want to do if he was no longer doing what he does now. I was chuffed he at least picked something with high earning potential - even if that was accidental. All of our £ is joint - so even with our savings - it has to be a joint decision what we do with them. I'm trying to inspire him to save. He named some places he'd like to visit like Machu Pichu - which I would too - but we'd both need to lose shed loads of weight for us to truly enjoy such a trip. Would make a great setting for a book though...MovingForwards said:Used to be free training in Europe and some carriers used to do it free too, that changed years ago.
We've been talking about what to do with our money when we're debt free. He'd also like to do more scuba diving training - he did a basic course years ago. He'd love to do marine archaeology or even see all the sea life. It would be nice to plan places to visit. Even with the mortgage to pay off - once we get to being CC debt free - a lot more options open up for us. If he was serious about the helicopter thing I'd let him do it - probably - as long as we saved first and did it in stages while he continued to earn a living... I'd want to know how many vacancies there actually were - and understand the safety record better... I want to make sure we have life in our years... If this last year has shown nothing else - it is is to make the most of opportunities while they are available... My niece is having a whale of a time in NZ.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/257 -
Good news about the writing and being able to play out the scene to make it work.No more credit card debt opens up so many opportunities - you are close to the end of the credit card payments and moving towards the start of the next phase now.5
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Thanks Blackcats. I've also been watching part of a free Tony R0bb1ns challenge that started on the 21/1. Playing catch up. Interesting stuff though. DS cooked chicken fajitas for tea. DH and I took the dog for a very brief walk as the pavements were full of frozen snow and black ice. I've paid another £200 off debt to the target CC.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/257
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