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Gap is Back - Time to Knuckle Down

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  • beanielou
    beanielou Posts: 96,001 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keep plodding xx
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Another payout from PA today so I now only have £2.30 to find to complete the £53 challenge.

    I quite enjoyed the seminar today and lunch was decent.

    SSD of £3.60 on butter and milk. I walked past everything else that was calling to me so I'm quite pleased with that.

    Tomorrow is half way through the month and I'm going into the second half with £80 left in the grocery budget. It is doable if I'm careful.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 96,001 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You have done so well with the challange :)
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou wrote: »
    You have done so well with the challange :)

    Thank you :) I am quite pleased. Just shows what I can do when I'm on it and paying attention.


    I've got a splitting headache today. It's just come on from nowhere. Heading home right now so going to have something to eat then I might have a nap. Not even going to attempt Morrisons for stuff that I can get another day. Therefore, it will be a NSD.

    Just going to quickly catch up on other diaries then rest my eyes for a bit.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 96,001 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your snooze :)
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Had a lovely day out with my Mum on Saturday. Headache was away by lunchtime. Was a wee bit spendy, I bought the coffees, but Mum covered most of lunch, I just made a token payment because I insisted on paying a bit. Sunday I was out with my cousin for afternoon tea which was lovely, again a wee bit spendy but could have been worse.

    My sister and I have emptied our joint Christmas savings account ready for shopping. I know I have a fair bit saved but it never feels like enough.

    Going to catch up with other diaries then I should finally arrive at work (usual big city roadworks hold up).
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you've been having doubts about your purpose. I think it is natural as our children grow less dependent on us for us to re-evaluate our lives and decide what's next. I'm going through that too and its been 18 months so far LOL.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    savingholmes wrote: »
    Sorry you've been having doubts about your purpose. I think it is natural as our children grow less dependent on us for us to re-evaluate our lives and decide what's next. I'm going through that too and its been 18 months so far LOL.

    Thank you so much for this comment. You've actually hit the nail on the head. I never thought about that before. I've just thought that through and that is part of the problem. It's just been LMG and me for so long and now she doesn't really need me anymore. Well, she does but not to the same extent. When I get to cook for us and even for the boyfriends too I feel like I'm doing something useful but when it's just me I feel a bit lost. I'm going to explore that a bit longer in my head and see if I can work something out from there. Thank you for saying something that seems kind of obvious to me now. Thinking of you too xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It's so cold this morning. My bed was so cozy I did not want to get out. Hat on today and 5 layers so it must be bad.

    NSD managed yesterday. Not today though as I'm making the family Christmas cake this year and have to get the rest of the ingredients later, together with other food to keep us alive this month ;)

    I'm off tomorrow so cosy day in baking cake and drinking coffee :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Total of £29 spent today; £24 on groceries and £5 for the rest of the ingredients for the cake.

    £56 left in the grocery budget. I'll leave £20 for LMG when I'm away next weekend (budgeted for), I have meals for tomorrow and Thursday (and more if it's just me to feed) so roughly 4 days to cater for on £36 before payday.

    Tomorrow I'm making slow cooker pulled pork, Christmas cake and macaroni cheese (in that order). I'll be done in by lunchtime haha.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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