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Holey Moley!
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Helllllooooo. Been busy with work and trying to fill in inheritance tax forms. It's just a bit full on.
Need to sort out my money this month still. One day I will be on time but not this month.
I purchased some Christmas things today. One was for mum because I thought it was just so sweet, the others are for me.
The cat was being helpful.
I'm pretty sure I have purchased most of my gifts for Christmas. I need a spreadsheet!6 -
I always use a spreadsheetAchieve 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 29/7/252 -
savingholmes said:I always use a spreadsheetI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £202
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Me three! It’s the only way!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway2 -
I’ve got a Xmas presents notebook, I can go back years and see what I’ve bought everyone and it does look a bit repetitive sometimes 😆MFW 67 - Finally mortgage free! 💙😁1
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Gift spreadsheet here which now has 11 years worth of gifts so I can rotate ideas!! I like to keep an eye on the cost of it all too.3
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I still have not set up the spreadsheet guys. I know. I know. I'm the excel Grinch.
I have looked at net worth and I'm getting close to my cash/investments being equal to what I have in my flat. Feeling pretty cool.
Will be back later, am running out of steam.4 -
Oh boy am I grumpy today. Work has been rubbish and apparently I had an "unprofessional outburst". This might be my favourite thing I've been told in a while so I'm telling everyone.
Got my mum a cardi for Christmas, she asked for one with big buttons but I couldn't find any. But then it turns out that m&s has TWO cardi sections! Two! What a time to be alive. It's quite a bright green so I hope she likes it.
Still haven't found anything for my uncle though. Or my friends... Oh hum..5 -
😂 fantastic news on the second cardi section discovery, exciting times indeed! Good luck finishing the Xmas shopping, I’ve struggled this year as I’m trying to get as much as possible instore instead of online, but the shops keep closing down 😩MFW 67 - Finally mortgage free! 💙😁1
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I am trying to buy in person as well for loved ones who are local. I hate working out postage with a passion so generally if they live on the other side of the country, I will buy online. Are you complete now?
So my uncle (the living one) is in hospital. Apparently, it was quite dramatic and there's quite a lot of mess to clear up. I won't go into detail in case anyone is triggered but err yeah, new clothes for everyone involved. He's not very well but with all honesty I can't cope with it right now so I'm kinda ignoring it for now.
Today I went with family (non-hospitalised only I'm afraid) out to enjoy the Christmas atmosphere. We stumbled on a craft fare and it was so good! A real mix of styles and mediums which is great. I ended up buying a Christmas tablecloth in a 1930s ISH style for £5, a couple of quilled stars £1 and a wooden MERRY CHRISTMAS hanging sign for £7. Also went to a "Christmas supermarket" and got some 70s ISH foil decorations. It was lovely and I loved it.
Tomorrow I need to spend the full day on my late uncles house as the workmen will be starting in January and I am not ready yet.
Work is as ever busy but... There's no but. It's just busy. At least when things when get stressed I can go look at the pretty lights.2
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