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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 you are both ill. Hope you recover quickly
    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
    Sorry you are both ill. Hope you recover quickly
    Thank you @savingholmes we are lucky as our symptoms are more like common cold or flu. Just getting plenty of rest and fluids, it is just worrying as I had 3 negative LFT results when I had the symptoms. 
    Work has been great and I can work from home and if I don’t feel well enough to work I have a week of paid sick leave.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • beanielou
    beanielou Posts: 95,500 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Be better soon :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes - that the LFTs didn't pick it up is concerning. I tried to order more free LFTs but there don't appear to be any available.
    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 have managed to buy some more LFTs from B00ts £9.50 for 5, I have enough advantage points for the test but not delivery too so paid with survey money.
    Feeling much better, just this stinking cough which will not shift. Hoping to be up and about this week. Will do a test to see what LFT says, although are they that reliable?
    Need to send DD for supplies today as we have run out of eggs, water and bread. Top up electric too.
    All bills paid, so need to shuffle money to savings sometime this week.

    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,071 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Dorisd said:
    I have managed to buy some more LFTs from B00ts £9.50 for 5, I have enough advantage points for the test but not delivery too so paid with survey money.
    Feeling much better, just this stinking cough which will not shift. Hoping to be up and about this week. Will do a test to see what LFT says, although are they that reliable?
    Need to send DD for supplies today as we have run out of eggs, water and bread. Top up electric too.
    All bills paid, so need to shuffle money to savings sometime this week.

    I managed to order some more LFTs last night off the government web site . Mine have definitely been reliable , change to two red lines almost immediately. I think people have had different experiences though. 
    Life is an adventure, never stop exploring.

  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    edited 30 March 2022 at 8:14AM
    Happy Hump Day,
    Feeling better every day, will try a test today as it’s been a week since my symptoms started. Just really want to go for a walk, going stir crazy. Even though I’m working it’s no fun being stuck in the bedroom with DH 24/7! Managed 50 metres walking up and down the hallway yesterday and will try some low impact resistance training today. 
    Had a bit of shocking news at work yesterday which has thrown some extra light on the company and how it operates, maybe I could see it a bit with other departments but never thought it applied to mine. It’s making me rethink my whole future there, I’m planning for the worst at this stage and hope for the best. I’m on a fixed term contract and now I have the strength and gumption to walk if I don’t like it. I have been saving hard into my EF so will continue that for next couple of months and have 3 months bare bones of expenses saved and a couple of hundred £ across my sinking funds. I may put this saving (sinking funds) on hold and in the words of Dave Ramsey go into storm mode. I started the week happy and secure that I had a job, confident I would get past my probation and happy in my team, and now look 😦.
    B00ts LFTs should turn up today, I’m off the do a test now, here’s hoping 🤞🏽 it’s negative!
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Where do I start? New month and went for first run post Covid, managed 6k at an easy pace with a 5 min walk half way round. Felt good to get out of the house into the sunshine.
    Work has been interesting, I have accepted a promotion to a new position and a significant pay rise! Came out of the blue, but so happy that my work has been recognised this early on in the job. Had really good feedback for a couple of projects and it has given me a boost. One of the comments came from an external stakeholder, so really chuffed as it’s a complicated case I’m dealing with. DD is always telling me I have a lot to offer and I shouldn’t shy away from what I’m good at or telling people. It is all about confidence, something that had been slowly whittled away in my last job over the years. 
    This pay rise will supercharge reaching our savings goals, I can even think about saving more into my pension now.
    Back in the office next week and looking forward to seeing my colleagues, there are also a few new people I’ve yet to meet as I have been at WFH.
    May brave trip to Mr A and Mr L tomorrow to stock up on a few items we need.
    Spring has finally sprung (despite the snow ❄️) and life is looking bright. I am thankful for all I have, especially DH & DD, we have a roof over our heads and enough money to pay for our needs. 
    I may also gave another wedding to look forward to this year, 2022 will truly be a year of celebration.
    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
  • beanielou
    beanielou Posts: 95,500 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the job.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Dorisd
    Dorisd Posts: 179 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Happy Sunday
    Managed a second run post Covid, although the run was not bad I do find I don’t have as much energy left afterwards and need a rest.
    DH has taken in some extra work this weekend which has left him very tired and we’ve barely seen each other so I have started the Easter spring clean. Kitchen is almost done just inside cupboards and oven left to do.
    Living room will not be too bad as I did it a couple of weeks ago, really just the bedrooms that need sorting. It always feels good when everything is sparkling and in its place.

    🎊Debt Free 8 Jan 2022[/center]🎉
    Language Learners Chat- Portuguese
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