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The Final Furlong

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  • Hello Dottles - i haven't posted for a while on your diary but i try and keep up. All is sounding good except that you need a solicitor to sort out what a solicitor presumably already sorted out before. And so frustrating the lack of support with assignments. 
    Happy Birthday!! i hope i've read that right and it's today? How is Tilly? I think i missed her on your recent posts.
    1st May 2025
    Mortgage Balance 1: £21,601.50 4.98% Now: £19,888.25
    Mortgage Balance 2: £84,420.24 Now: £83,806.79

    Credit Card Balance 3: £10,911.76 Now: 8972.03
    Student Loan £TBC
  • beanielou
    beanielou Posts: 95,486 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy happy birthday.
    Have a lovely day 🎂🍷
    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: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated happy birthday. Hope you had a good day. 
    Good luck with the money side of things too. The veg growing sounds good. 
    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
    Last night was the first time that I've been out for food since lock down began and I was surprised how pleasant it was to eat in an environment where it doesn't feel crammed into a small space.  The food was delicious too.  It is so strange (but nice) to have  my grandson taking care of me, making all the arrangements and picking me up at my door.  He and I were such good pals when he was little and it feels a bit like role reversal but in a good way.  GD4 came over yesterday afternoon to walk the dogs and christen the mini barbecue I received for my birthday.  However, the showers were on and off and though not too heavy, were enough to drive us inside to use the oven.  She stayed for a few hours chatting and just "hanging out" as she puts it.  I love hearing all her tales of her friends and conversations such as "do you think ghosts exist?"  she is such a joy to spend time with.
    So that is birthday week over, though I have another gift on it's way from America, it's now time to get on with adjusting to the new regime.  Friend P is coming over today to bring some chives that she has dug up and split from her garden so that will entail coffee and a catch up on how her new kitchen is coming on.  I also want to get some housework done as everything feels a bit messy at present.  I have lots of things to find homes for so some re-organisation is needed.  I also want to wash and replace the blind in the office and fill a couple of holes in the wall where a picture used to hang and paint over them.  
    I have a new project to make a notice/pin board for the office so will head out to the charity shops to find a suitable picture frame if I can't find one at home.  I have a couple of ideas but I don't want it to look too "officey" so watch this space.
    Tilly and I managed our 10,000 steps for the first time in ages yesterday so I'll be trying to do the same today though the forecast doesn't look too god so we may have to dodge the showers.  My new plan is to make the time to take care of myself because I really need to fend of the aches and keep the joints moving,  It would be far too easy to let this slide and become old before my time.  Some times it's just so painful but I'm hoping it will get easier with continued practice.  I have also lost 12lbs over the last 5 weeks.  I don't expect a loss this week with all the birthday indulgences but if I haven't gained I'll be happy.
    All in all, I'm feeling very blessed.
    Here's hoping the rain holds off today where you are.
    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
  • beanielou
    beanielou Posts: 95,486 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a happy weekend. 
    Great weight loss. 
    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.
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just caught up with your diary dottles after a while.
    A heap of congratulations on your retirement!  Have a virtual bottle of bubbly to help celebrate!🍾🥳
    You must be so pleased and relieved - I'm very jealous. It was very nasty of your colleagues not to acknowledge your retirement but, hey, you don't have to ever engage with them anymore. And the lovely accolades and gifts you received from your students must have made up for the unpleasantness many times over.   
    Well done on the weight loss too!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Chrystal
    Chrystal Posts: 1,997 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    What @Seasidegal58 said :)  Plus just want to say it's lovely to hear you sounding so happy.  XXX

    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Yes Seasidegal, it does make you realise what and who is important in life and thank you for the virtual bubbly :).  Thanks Chrystal, I am happy, it's as if a huge weight has been lifted from my shoulders.  It does feel a bit strange though and  expect it will take a little while to get rid of that "I should be doing something" feeling.  I'm now looking forward to being more self sufficient around the house, batch cooking, growing veg, sewing, knitting etc.  I will still have to make efforts to bring in private work but it won't feel like such a chore as I enjoy it (and I won't be carrying others).
    That said, I gave myself an easy day yesterday,despite my good intentions.  I still managed to do the housework, pot  the tomato plants into bigger pts and plant up a hanging basket with surplus begonias that someone had gifted me.  This morning, I am meeting DD1 for a socially distanced coffee.  She lives in a small market town nearby.  It is very pretty so I may take a walk down by the river before coming home.  I have some emails to send out for the business and a form to fill in for a company that wants to work with me so as it is still early, I might get those done before I go out.  Th sun is shining here so this afternoon will be a potter in the garden tidying up the borders, a walk with Tilly and perhaps an hour with my book and a coffee.  Bliss.
    I hope you get some sunshine today too, wherever you are
    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
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    It's been a soggy sort of day here today.  Though not heavy, the rain has been constant but I'm hoping that it will clear up for tomorrow.  At least the garden will be happy.  I've completed a few reference requests for students that were outstanding, been to buy some material to make my notice board and a couple of throws to put on the seating so that I can change them and wash them after each use.  Tilly went to the vets for her booster today.  She was collected from the car by the nurse and trotted off quite happily without a backward glance, not much phases her.  The vet reported that Tilly is well and being looked after - err well obvs!! - she has the life of Riley, whoever he is.  It is good to hear it from a professional though. 
    I've also looked out the filler for some small holes in the office so will do those this evening as well as wash the blind and put it back up ready for resuming private work on 3rd August.  
    It's odd but after months of suffering with IBS, I haven't had any symptoms since leaving work.  It's early days yet but I am wondering if stress is a contributing factor. 
    Nothing doing in the garden today as it is far too soggy but I plan to get out and top up the front borders tomorrow with the top soil I put to one side as I have been given a Hosta and a Jerusalem sage that I need to find homes for.  With a little shuffle around they will both look good in the front garden.  The idea is to do an hour a day so that I don't get too achey.  Ooh I almost forgot, I picked the first courgette yesterday and had it for tea in tomato and veg pasta.  Very yummy and hopefully lots more to come.
    That's me for to day, I'm going to read my book for a bit before getting on with the jobs.
    Bye for now
    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
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