Cheery's country living adventure
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Ooh, and I've just had a reminder that the TSB regular saver is coming to an end - I tend to forget that one for some reason Finishes next Wednesday, and according to the MSE calculator I should have got a grand total of £32.40 in interest over the year So the balance will be transferred to Premium Bonds, and the interest paid off the mortgage.
We've both got one with Coventry, and I think the first of those ends late Feb, so I'll do the same with those when the time comes too.
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Morning CheeryKeep posting details! It helps others to slip stream and also sparks thoughts that maybe wouldn't have happened otherwise. It was reading musings like yours recently that hooked me into "all this". I posted on the retirement pages a while back and came away feeling a bit disappointed, maybe because there was first a judgement about wanting to pay off the mortgage and (implied) stupidity. There were some helpful comments, but it was just a shame to have that one person being judgy. This MFW forum is sooooo unusual in it's being a really safe place to bare your finances and thoughts (even on totally unrelated stuff, which then makes everyone seem even more human still).On the USS thing - once you sort out the glitch, see if you can get the login sorted out because their predictor tool is excellent. The local USS admin person has been a gold mine of information for me too, so maybe your old employer will have an equally helpful one who doesn't mind chatting?Do we sense some luggage from the past job? Maybe finally giving up that email and access to old work will be cathartic and you can close the door on that chapter and move on?Enjoy the weekend, despite the crappy weather!ElmoR x9
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Cheery_Daff said:...what is with the current chick pea shortage though?!...4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)17 YEARS 4 MONTHS LEFT OF 20 YEARS6
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I wonder whether the chickpea shortage is anything to do with production affected by cvid - aren't most chickpeas grown in Italy? But also - I remember them being in short supply last year. MrL has mixed cases of chickpeas and butter beans, and for long-enough you could get any number of tins of butter beans, but no chickpeas. Perhaps folks are making more dishes using them? Has there been a recipe on Nigella? or Jaymee? Still don't know what caused 'mushy pea gate' at the tail end of last year, either........
Good work with the pension calculations Cheery. We'd done similar, and it was looking quite good as we'd got to 'living small', but then BG came along, and all calculations went to pot! 🤣 But the similar "thinking" is informing our house/home buying intentions, so it's all valuable.
Have a great day - despite the vile weather........
Greying X
Pounds for Panes £3,005/£10,000 - start date Dec 2023
Coins for Camping (May) - £0/£15 (Camping TTD - £75/90)
Grocery spend May £144.39/215
Non-food household spend May £24.01/30
Bulk Fund May 0/£15
Knitted items for charity 1/24 (inc. Blankets 1/6)5 -
No idea if there's a national chick pea shortage RT, we've just not been able to get them in our two local supermarkets the last time we've been - not exactly a scientific study We do usually have a stash, but go through far more than one tin a week between us - more like 4 or 5! Maybe we're *causing* the shortage?!
Thanks ElmoR I love MSE diaries, you're right, they do humanise us all, and put the decisions we're making into the context of our lives, which I think is great. There are many good ways to run your financial life, we don't all have to do the same thing! Some people want to pay the mortgage off, others aren't bothered - either are fine, but people do get very entrenched in thinking their way is right for everyone sometimes...
Yes, there is indeed baggage from old job, even five years down the line. Won't be closed off by this though - there is still ongoing tail-end work going on (in fact that's what I was working on yesterday afternoon). I've drawn a line in a lot of ways, but will never be able to let it all go entirely for practical reasons. Can let it go mentally though! (Or so I'm told - not quite managed that in reality yet )
Anyway, I've relented and put the heating on, thinking it might encourage me to get dressed at some point if I can't see my breath in front of my face It's so windy that the snow is blowing off the fields, so it really does look like it's snowing both down AND up at the minute... Certainly not making me want to get outside and do anything practical! Might have a day time bath instead
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Could you log into the old email account and just save everything you currently have access to in case it comes in useful in the future? I spent most of my last week before I was made redundant doing this (figured I didn't owe them anything) and it's been jolly useful in making me look efficient in the new job!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
Oh I did that before I left 5 years ago SC! I never use the actual email account - keeping the login was just an easy way to give me access to some files for a particular project I was still working on without having to sort external access. I've actually not accessed them since the project officially ended about 3 years ago anyway. This would just mean I *couldn't* access them without going through someone else, which actually will make no practical difference anyway.
Draught proofing strips for the back door were just delivered, so I might fit those this morning, feels like a nice easy DIY job (fingers crossed...) that will make a big difference to warmth!
Did I say we had the quote for the windows yesterday? Just under £1500 for all five, which seems reasonable to me. Might give them a call today and see if I can book it - then we'll have to figure out how to move the sink...5 -
Such a lot you're juggling! And doing it really well The calculations you wrote out online were wonderful, Cheery, and I think it's anonymised on here enough that you're fine. And Elmo describes it as others "slipstreaming", which is brilliant - yes, it sparks all sorts.
Terrified at the idea of a national chick pea shortage, though2023: the year I get to buy a car5 -
Greying_Pilgrim said:I wonder whether the chickpea shortage is anything to do with production affected by cvid - aren't most chickpeas grown in Italy? But also - I remember them being in short supply last year. MrL has mixed cases of chickpeas and butter beans, and for long-enough you could get any number of tins of butter beans, but no chickpeas. Perhaps folks are making more dishes using them? Has there been a recipe on Nigella? or Jaymee? Still don't know what caused 'mushy pea gate' at the tail end of last year, either........
Good work with the pension calculations Cheery. We'd done similar, and it was looking quite good as we'd got to 'living small', but then BG came along, and all calculations went to pot! 🤣 But the similar "thinking" is informing our house/home buying intentions, so it's all valuable.
Have a great day - despite the vile weather........
Greying X
Postie just turned up with another delivery 😮 In this case a book I ordered the other day, and something for Mr Cheery. It's like Christmas round here - especially as the Christmas tree is still up
Best get dressed before anyone else turns up7 -
ElmoR said:I posted on the retirement pages a while back and came away feeling a bit disappointed, maybe because there was first a judgement about wanting to pay off the mortgage and (implied) stupidity. There were some helpful comments, but it was just a shame to have that one person being judgy. This MFW forum is sooooo unusual in it's being a really safe place to bare your finances and thoughts (even on totally unrelated stuff, which then makes everyone seem even more human still).
As for Elmo - those retirement boards are ruthless! Fantastic for reading and picking up tips and ideas for considering, but I wouldn't making a comment, let alone starting a post. Much friendly in here, and you end up with much the same advice, but out across in a civil way.MFW: Was: £136,000.......Now: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6509
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