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My year of living dangerously

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  • I feel like a mole as I have been in the house since Friday doing my fellowship application! :eek: These things take up so much time but I am pleased with myself for actually getting it in before the deadline.

    I have done washing, ironing and the house isn't exactly tidy but I've know it much worse!
    I have done my Christmas cards for the neighbours on my road so I will post them today.

    But now I am eager to get out as there is a little sunshine outside and (so far) no rain. Although there was buckets of it last night :eek:

    Making a coffee and then I will walk to the shops.

    Wishing you all a lovely Sunday :)

    Grateful for: less sore joints, an application done within the deadline, a nice parcel from my friend :)
    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: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on the application done :)
    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
    Well done on the fellowship application - that's a big frog! Hope you get your windows sorted soon.

    My sis doesn't have a car as she lives in a city and just hires or borrrows one if she needs one. Works for her.
    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
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Weighing up the pros and cons of the car is a great idea - you've had a good while to assess what having a car adds to your life and if the answer is 'not much' then you can give up the car knowing it's the right choice for you right now. Deal with your future needs when they arise.

    Good luck with the fellowship application!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • Really useful thanks SSG58. :) Do you use Ube* or other taxis?

    I haven't a Uber account. I tend to jump in black cabs if required when I'm in London. Also my council has banned Uber in my area so I stick with the local cab company.

    Good news on getting your application in!:)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Thanks everyone for your positive posts :)

    My mood seems to be on the slide so I have kept off my diary so as not to bore everyone with my woes.

    Since getting my application in I haven't done anything noteworthy.

    The plan going forward is to get the house clean/washing/recycling/cooking healthy food and organising (been doing this today) Got through a fair bit, still going.

    I am frittering money. A complete waste and silly. I don't mind so much when I spend on worthwhile (to me) things. I'm going to go back to NSDs with beanie's thread in January. I must get a grip as I have plans that need money. It will be a shame if I can't do what I need to/want to because of mindless frittering and spending due to lack of planning..

    Told you I was in a mood ;)

    Have a relaxing evening :)
    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
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm much the same at the moment, feeling a bit meh some poorliness (medical, not financial) and worrying about some planned and some unplanned spending so I'm avoiding accountability by hiding.

    The run up to XMAS is not the right time to jump back on the bandwagon (although I am being quite good), so will stay lurking and give myself a good talking to and then start a new diary with some new objectives. Good luck and be kind to yourself you may be setting your target to high
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • I hope you feel more positive soon DIA. I find Christmas makes me want to fritter :o so it's not a good time of year to be frugal, but damage limitation is important. I'm sure in January you'll feel more motivated to be frugal. Not just a new year but a new decade!

    How are you going to spend Christmas? Do you have family that you see?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • As you say it will be a new year and new decade soon. Don't worry too much about the frittering this time of year. My own Entertainments pot is looking decidedly depleted at the moment.....:(
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Cut yourself some slack. You’ve achieved a lot over the past year and you’ve secured a regular income via the part time job. All can be clawed back
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
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