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The Final Furlong

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  • foxgloves
    foxgloves Posts: 12,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Enjoyed reading about you getting out for a lovely walk with Tilly. I'm not surprised she barked. I bet she was so excited to get out there again. I also need structure in my day & to keep busy through times of adversity so I'm formulating some plans/goals today so that I can keep busy & turn off the inevitable thinking which comes from being in unchartered territory & watching too much news.
    Take care. 
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 5.9kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Our dog was thrilled to bits when we walked around the block around 11.30 last night. We even got to see some daffodils on the verges. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Morning all and thanks to those who have popped by, it's good to "see" you, especially at present.
    I start the online teaching today with a little trepidation due to a couple of internet failures and a general slowness.  It's not surprising really considering how many people are working from home at the this time.  I spent a couple of hours yesterday sorting out IT and prepping admin for the new way of working so fingers crossed.  
    I also had a couple of appointments that had been booked for quite a while (much hand sanitising and distancing was observed by all I'm pleased to report)  so I popped into the supermarket ion the way back to get the bits that were unavailable at the weekend.  I was impressed by the improvements in distancing in the aisles and in the queue with everyone waiting patiently 2 metres apart and now have enough food in to last me 2 weeks with perhaps a top up of a loaf at some point.
    Boris' announcement last night was no real surprise, it was always going to happen just we didn't know when, perhaps now those who believe that they are invincible will see the seriousness of the situation.  I'm relieved that it has now been done but a bit scared as we are fast approaching the peak of the outbreak.  Strange times we are living through.
    I feel fortunate to have friends and family who text/face time/ring to keep in touch, it's like having a mutual support group but makes me more aware of those who don't.  I have put notes through doors of neighbours with my number if needed, even if it's just a chat, nobody should have to feel alone at this time.
    Right, I'm off to have a shower and get ready for whatever today brings.
    Keep safe everybody
    Dottles x

     
    CC1 Aug19 [STRIKE]£7587.85[/STRIKE] Aug 20 £0
    CC2 Aug 19 [STRIKE]£1185.58[/STRIKE] Aug 20 £0
    CC3 Aug 19 [STRIKE]£544.95[/STRIKE] Aug 20 £0
    O/D Aug [STRIKE]£20[/STRIKE] Sept [STRIKE] £100[/STRIKE] Oct £0
    CC4 Aug 2020 £0
    Total debt Aug 2019[STRIKE]£9318.38[/STRIKE] Aug 20 £0
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've got support and food! Hope the online teaching goes well. DD's sixth form aren't offering much - just notes and powerpoints.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care 😊🌈
    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.
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hello all
    A late one from me today after a couple of really busy days at work.  I've managed to conduct 4 of the 6 lessons for this week successfully and the students have been amazing with almost all of them "turning up" to online classes, which is evidence of their commitment to their learning.  I have to say that it is had work as you have to concentrate so hard to make sure everyone is engaged and understanding the subject and it brings a whole host of new admin to complete.  That is so disappointing Savingholmes as this is when students can fall through the cracks and miss out on learning.  I must say that my college have been committed to making sure that each student is engaged even to the point of a member of staff tasked with contacting every student who doesn't log in to their lesson.  The staff have all pulled the stops out to make sure each student is looked after whilst working from home and many managing their own children's learning.  I am very proud of them.  I have 3 lessons to teach tomorrow and then I'm done for the week.  However, I haven't even looked at the marking yet.  Still, I am very lucky that I'm one of those people still being paid and it is something that I can do to help in the current situation if only a little.
    Working is helping me to put some structure into my days and definitely helps with my mood levels, I just now need to put some me time in.  I'm really looking forward to the weekend and the Easter holidays when I can do that.  And I thought I'd get bored !! :)
    Off to bed now as I am whacked
    Goodnight all, take care
    Dottles x

    CC1 Aug19 [STRIKE]£7587.85[/STRIKE] Aug 20 £0
    CC2 Aug 19 [STRIKE]£1185.58[/STRIKE] Aug 20 £0
    CC3 Aug 19 [STRIKE]£544.95[/STRIKE] Aug 20 £0
    O/D Aug [STRIKE]£20[/STRIKE] Sept [STRIKE] £100[/STRIKE] Oct £0
    CC4 Aug 2020 £0
    Total debt Aug 2019[STRIKE]£9318.38[/STRIKE] Aug 20 £0
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Dottles - well done for what you are doing. I am sure it makes a difference. Roll on the weekend for all of us I think. It is hard WFH when everyone else is trying to do the same and getting in your way / stealing your bandwidth / connection!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Sun_Addict
    Sun_Addict Posts: 23,990 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Morning Dottles 😁 Good to hear you sounding so positive. We won't forget this year in a hurry.  I'm working from home now, DD works in a supermarket so still having to go in and DS still going to work as they make things for the NHS. Technology is coming into its own right now.

    You're right we take so much for granted and will hopefully appreciate it all the more when all this is over.

    Have a good weekend.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have learned I am very poor with tetchnolgy without help. I can’t even do zoom. 
    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.
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