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Moving forward and upwards
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SH, I can do it all, it was just so demoralising and again shows where money could be saved, but instead is potentially going to be wasted if another person is taken on to what I'm already doing.Mortgage started 2020, aiming to clear 31/12/2029.4
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Please sit down before reading!
I now have a gas and electricity provider, with account number 😯 😯😯
I'm just waiting on my bills and asked for them to be heavily credited due to their delays; once I've got the bills and discounts, I'm off to the other company 😉
Having ribs tonight!Mortgage started 2020, aiming to clear 31/12/2029.6 -
Well done on finally sorting out the gas & electric 🤗 I bet that is a load off your mind 🤯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 -
Glad it's resolved at last. It's been agesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
Thanks Skinty and SH, it will be a weight lifted when I get the discounted bills, pay them off and move to a cheaper provider. I'm seriously dreading how large these bills will be, compared to how they were at the other flats, because of it being a very expensive company.
So far it's taken 8 months and 14 days 🤨Mortgage started 2020, aiming to clear 31/12/2029.4 -
Yay to working through all the gas/electricity issues and emerging with an account number. Onwards and upwards to the cheaper provider
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Thank you DIA, I doubt there will be any movement before next month.
TomBo did the shopping and I organised the cat food.
It's supposed to be raining the weekend and I'm going to:
- make a start on doing the window surrounds, only 7 windows to do.
- fit a bit more draught excluder in the lounge.
- connect the remaining PC cable.
£60 in the bank, 14 days until payday.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Draught excluder should make a real difference. Good luck with the budgeting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
Don't fret SH, I do zero budgeting and I'm not going anywhere or doing anything requiring money.Mortgage started 2020, aiming to clear 31/12/2029.3
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Hi MF - yes I like to allow more room for human error. I'm trying to do zero budgeting and couldn't work out why it wasn't balancing. It turned out - I'd left in child benefit as being paid today even though that's the wrong date!! Doh! Had to move some savings back to cover it off. Will balance out - but was leaving me short before DH payday next week.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252
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