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Moving forward and upwards

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  • You have been busy 🙂 I hope you use your points on nice things for yourself. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you Skinty, it's definitely helped having today off! I made a start on the shower while the pies were cooking, will finish it off when I next pop in 🙈

    I'm hoping the PJs are in a sale as I would like a second set, they've been great for winter. Loyalty points normally go on food and drink, survey points is food and something for the flat / garden. 

    My cat ate peas and carrots from my pie 😃
    Mortgage started 2020, aiming to clear 31/12/2029.
  • atrixa
    atrixa Posts: 549 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    Argh, what a nightmare with the utilities! That's not too bad a price, though. Good luck on your PJ hunt. I'm still yet to find bottoms that don't shrink in the wash.
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    Good news that you are nearly there with the duel fuel company! I can't believe it's over 8 months.... good job you don't give up! :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
  • I’m still sleeping in shorts & short sleeve pjs maybe I am getting near “that” age 😳 I am even considering taking off my thick quilt & putting on my 2 thinner ones so I can throw one off during the night if I get too hot 😆
    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/p1
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m still sleeping in shorts & short sleeve pjs maybe I am getting near “that” age 😳 I am even considering taking off my thick quilt & putting on my 2 thinner ones so I can throw one off during the night if I get too hot 😆
    I do have two different thickness of quilt and have a t-shirt cardigan that goes on and off all night depending on my temperature. 

    Good luck with the utilities. Well done on the bathroom MF. Have a great weekend.
    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
  • Glad you found the book! 
    It is so easy to get more storage. Glad you downsized so you both have an existing shelf :)
    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
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