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Moving forward and upwards

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  • doingitanyway
    doingitanyway Posts: 9,947 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Definitely rest today. Views are so important. One of the things I like about the intended new area.
    Enjoy your coffee
    I'm off for a walk today. Will definitely renew medicinal chocolate supplies :)  
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Morning hope you are feeling a bit better. A comforting hot toddy is needed methinks.
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you DIA and SW, just been taking photos of the snow out the window 😁
    Contemplating an early lunch, definitely too cold to go out and TomBo went to the supermarket first thing today.

    I feel I'm getting lazier by the second 🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope you can have a restful day. Just popped along to say thank you for the pension comments on my thread, you inspired me. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you LW2G, Hopefully what I've posted on both of your diaries makes sense. It's a lot harder to put into writing than a sit down chat pointing and showing how I got to where I did 🤫
    Mortgage started 2020, aiming to clear 31/12/2029.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ohh I shall go look  :)
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon. Snow on the ground sounds lovely - particularly if viewed from a warm home.
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH, I'm in good humour, filled my face with a cheese and meat selection and watching TV 😊 couldn't ask for a better day and the sun has come out!

    Most welcome LW2G 🤗
    Mortgage started 2020, aiming to clear 31/12/2029.
  • atrixa
    atrixa Posts: 549 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    We're having better weather today too, makes a nice change!
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    We've got sunshine today, but it's very cold; hung out the window to take photos and could see my breath 🤭

    Had a night on the sofa, will need to prioritise buying some form of bed. Eventually I have an art, photography, office, second bedroom, I'm just restricted until the built-in wardrobe is in and for now it's still the dumping ground.
    -- I will try and do a little bit over what's left of the holiday and ask TomBo to move a few bits of furniture around; illusion of space makes a difference.

    It's kind of like the butterfly effect, every action has a reaction.
    - To get the space back under the bed for proper storage, I need a bookcase in the lounge.
    - To get rid of a wardrobe, chest of drawers and tallboy, I need the built-in wardrobe.
    - To get rid of chest of drawers and cube storage, I need the built-in wardrobe.
    Obviously, they all require money, which I won't comfortably have until 2022/23, but when everything is done there will be space, storage and organisation 😁

    In a few days I can start moving money to savings.
    Mortgage started 2020, aiming to clear 31/12/2029.
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