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My year of living dangerously

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  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the new garden box and putting things in a defined space. It is definitely improving our home to do that.. plenty left to go at though.
    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 29/7/25
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,104 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Great to hear you. got the garden box , you will have acres of space around you soon.

    Is this your last work day ?
    Life is an adventure, never stop exploring.

  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Productivity City round your neck of the woods, DIA! Wish i could say the same about here...
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • doingitanyway
    doingitanyway Posts: 10,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    savingholmes wrote: »
    Well done on the new garden box and putting things in a defined space. It is definitely improving our home to do that.. plenty left to go at though.
    Thanks SH. It has made a difference but tons left to do here too :)
    Sunshine_girl2 wrote: »
    Great to hear you. got the garden box , you will have acres of space around you soon.
    Is this your last work day ?
    Thanks SSG2. Still cluttered but less so. Next Friday is D day :)
    Homegrown0 wrote: »
    Productivity City round your neck of the woods, DIA! Wish i could say the same about here...
    Ha, it fluctuates Homegrown0! :)
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Yesterday I paid a bill and spent forever drawing up yet another budget. I had my final payment! I wanted it all out of the way so I worked out what the funds needed to do and got the monies out of my account.

    I promised myself a bag if I got through my situation at work. I have watched it for 3 seasons and it never goes on sale so I am buying it. If it isn’t perfect for my needs it goes back. It should come in the next few days. In the old days I bought much more expensive bags whilst in debt and yet spending this much has been difficult. I have changed! :)

    I spoke to the veg box company. They are going to let me pay when I receive the box instead of a continuous authority payment as I declined that payment method. Glad I asked. I won’t start this until I get back from my hols. ;)

    I’ve been concentrating on work but as soon as I finish I go on holiday so I need to get packed and sort out malaria tabs. I hadn’t fancied them at all as I react badly but then I read Parsniphead and decided to get some perspective. I’ll go to the health shop and see if I can get some high strength probiotics and milk thistle to take at the same time. I’m off to a muslim country so no alcohol. So, I’ve decided to spend the whole of September AF to further aid my immune system after the antibiotics.

    I don’t eat meat when I am travelling to reduce tummy bugs so no alcohol or meat should result in a lighter DIA returning to the UK.

    Working my last Saturday today.

    Enjoy your day.
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 95,682 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy last Saturday:)
    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.
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great stuff DIA :)

    You may be able to haggle with your mobile provider for best roaming charges should you choose to roam. Could be handy if you have a smartphone and want to surf the web if you have trouble sleeping etc
    Your Last Saturday , will seem a bit odd but good luck with everything and have a great weekend .
  • Seasidegal58
    Seasidegal58 Posts: 6,018 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hope you enjoy your bag when it arrives! A really nice treat!

    What a good idea too with the garden box. All these little things add up to a clutter free home. Slowly, slowly catchee monkey!

    Not long to go now re. work!:j

    Have a good Saturday DIA
    x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The garden box sounds great. Little things like that make such a big difference!
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 10,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    another_casualty wrote: »
    Great stuff DIA :)

    You may be able to haggle with your mobile provider for best roaming charges should you choose to roam. Could be handy if you have a smartphone and want to surf the web if you have trouble sleeping etc
    Your Last Saturday , will seem a bit odd but good luck with everything and have a great weekend .
    Thanks AC :)
    Seasidegal58 wrote: »
    Hope you enjoy your bag when it arrives! A really nice treat!

    What a good idea too with the garden box. All these little things add up to a clutter free home. Slowly, slowly catchee monkey!
    Exactly my approach SSG :)
    jwil wrote: »
    The garden box sounds great. Little things like that make such a big difference!
    Yes, it has made a difference. Thanks JWIL :)
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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