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Being called frugal is the best compliment

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your relative. Hopefully the run will do you good
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • amber03
    amber03 Posts: 1,359 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Sorry to hear the news about a family member. Enjoy your run even tho it’s so cold outside at least you should feel refreshed after.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    The run was just what I needed today and the new buff kept my head toasty, earphones in and doubled as a face covering when I needed to pop in the local shop when I finished. I’m half way to my 30k total distance ran for January.
    I was energised because I came home I prepped some fruit and veg to snack on and to help with the early part of next weeks work lunches.
    No news on the relative it’s just a matter of waiting. 
    I had an Epsom salt bath, PJ’s on already and going to see what’s on the telly. Dinner may just be a pizza 🍕. I know how to live!
    Happy Saturday.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to relax. I was amused at the 'new buff' keeping you warm.... LOL
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Good to relax. I was amused at the 'new buff' keeping you warm.... LOL
    It’s a funny word, maybe I will use multi purpose headband in future! 
    Back to work this week and C19 still rearing  it’s ugly head. DD and I are starting to feel full of cold luckily LFT are negative.
    Managed a nice walk at lunch time yesterday. I work near a river and large park   the sun was out and the sky was blue. I managed a good 30 minutes in the sunshine 🌞. Really lifted my mood and should do it more often when I’m in the office. I also walked 8k yesterday which is 16,000 steps.
    Debt still £0, will need to spend today as out vacuum cleaner needs a new battery and we need to sort out a parking permit. That will come from home maintenance pot. Dinner will be leftovers.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did a shorter walk yesterday but it did me good too. Hope you and DD feel better soon
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Thankfully it just seems to be a cold, didn’t manage a walk yesterday as I had back to back meetings which over ran. Hoping to do this today as it helped refresh me in the afternoon.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Managed a lunchtime walk although this time it was raining 🌧. I have managed to keep up the steps so far this week, no runs so  as it has been to slippery under foot. I don’t fancy any sprains or broken 🦴.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely be careful particularly if you're not feeling too well to start with.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    I seem to have avoided any real illness so far. 
    On the MSE front 2 more sales equal 2 more things out of the house. 2 runs last week followed by 3 days walking over 10k in steps.
    Sleeping a bit better as I have now written down a savings and goals list and shared it with DH. He seems to agree with them and we are thinking 2-2.5 years to buy a home.
    Work is still going along swimmingly and they are going to continue with hybrid working for the time being. Minimum of 2 days in office on a rota.
    Payday is almost here and I have finished with money left 💃🏻. First months pay of the new year debt free, must keep on track with our goals, but I do have my eyes on a new pair of boots that are in the sale!
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
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