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Moving forward and upwards
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You have done I am glad you are resting. The bank bonus will be great.Aiming for a minimal spend 20222
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Nice to read you are taking the foot off the accelerator for a bit.
I seriously thought about not taking down the decorations until Spring... just thought long enough until the word 'dusting' popped into my brain... I don't think I could be 'Mrs Christmas' and leave them up all year....!They were so lovely, cheered the place up, but now they are down, it's like clearing the clutter from my brain!
"...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 = £41.643 -
Thank you SH, SW and Ren.
We only had cards and the little tree up, so now my units show the glassware off.
I'm struggling to work and have to take time off soon; unfortunately I was working a bit over Christmas checking emails and trying to find out what changes were in place.
TomBo is getting early shifts, so by the time I'm settling in to sleep he is getting up. They are also not giving him his contracted hours, sometimes he's getting 2 or 3 hours a shift, which is rediculous!
We've been watching some house programs and picking up ideas about what we don't want and what we do like. It's much easier to extract input from TomBo using visual aids!
Temperature hasn't been too good up here lately, but with the heating on late afternoons / evenings it gets toasty. A couple of days I've not had the heating on, which shows the work done has helped, just need to get the last few bits done.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Sorry to hear you are struggling with work and tombo is not getting his contracted hours. Does it say anything in his contract about changing hours ? Maybe ACAS can advise ?Take care of yourself and rest when you can.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Thanks Skinty, TomBo doesn't care about the job and I'm surprised he's lasted this long in it, he won't have it for much longer.
All I can do is rest when not working 😉
- I'm doing both roles for at least another month, been told no extra pay to show appreciation ☹️
Apparently the utility account is now getting set up, but I'm still not holding out much hope!
CC have taken the DD this month and rounded up payment made.
£70 in the bank, 16 days til payday.Mortgage started 2020, aiming to clear 31/12/2029.4 -
I've just read back over a few days and it is nice to see your pattern of progress with savings, organisation and the house.
Good to see the heat is being retained and the improvements paid off.
Sorry the job sounds so demanding and as you say, rest when you can.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) 25/0720253 -
Thank you DIA. I'm hoping my energy gets up with me one morning, or decides to join me at some point 😃
The back of the flat was hot this morning and the sun blinding.
In a few months I will be saying about having the windows open, the sun / flat is too hot and my cat takes herself off for a sunbathe.
I will try and do the window surrounds this weekend and the frames after payday.
Unfortunately my morale hit rock bottom today, as to be expected. Just reminds me of all my other roles, taking with nothing in return.Mortgage started 2020, aiming to clear 31/12/2029.4 -
MF that's awful. Im doing the same loads of extra work unpaid. It's that or lose my job! Some employers are so unethical in this climate .Aiming for a minimal spend 20222
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It wouldn't have made any difference if it was normal times SW!Mortgage started 2020, aiming to clear 31/12/2029.2
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I was taught phrases
Will the world stop spinning?
Will someone die if this doesn't get done?
As a way of stepping back and evaluating true urgencyAchieve 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 29/7/253
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