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Moving forward and upwards

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Sleeping on sofa is tough. OMG It's great that you have an effective plan though. 
    Aiming for a minimal spend 2022
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Why were you on the sofa? Are you talking about a bed for your second bedroom? You will get there... 
    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 SW and SH.
    Most nights I tend to wake up about an hour after going to bed, when that happens it's difficult to settle and so I get up. The only place I can go is the sofa and that's why I need a bed of some kind in the second bedroom.
    - Some nights I wake up and drop off each time I turn over.
    - Nights like tonight I wake up, keep turning every minute or two, to try and get comfy but don't go back to sleep. Stay awake til about 4 / 5 am, then get an hour or two sleep on the sofa.

    I've got up to see a healthy dose of snow outside 😁
    Mortgage started 2020, aiming to clear 31/12/2029.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad you got a lovely view but hopefully you are asleep now
    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
    My cat was very active last night LW2G, playing with toys, sliding all over the floor, walking between the different rooms, but I managed a bit of sleep. 

    When TomBo goes to work I'm going to try fitting part of the draft excluder sponge foam, scrape the paint off the lounge glass door panels and clean the bathroom. Then it's feet up and films til he returns.

    Lunch is cheese, meat selection and crackers, tea will probably be spicy lentil soup (homemade) or if I'm lazy noodles 😁
    Mortgage started 2020, aiming to clear 31/12/2029.
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    How old is your cat? We have 2 but they are definitely well past the playful stage.
    Spicy lentil soup sounds lovely 
    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
    She's 13, never been that active and annoyed with me as I took her blankets and washed them!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    How weird is it that my dog is 13 and also gives me her long-suffering look when I wash her blankies? If you say your cat is ginger I will really freak out..... :D 
    "...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
    "Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'

    Dog's 'Pot o' Gold' = £23.85
    Household maintenance = 0
    Prolific Academic = £41.64
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    No Ren, not ginger.
    Interesting fact - it's very rare for a girl cat to be ginger; ginger and white yes, but not pure ginger 😁
    Think because I've fed her several times, she now accepts the clean blanket. I'm trying to dry the others off so she has another one to snuggle in bedtime. It's 0° here overnight!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We had snow yesterday and today too but it's not very thick yet.
    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
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