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Moving forward and upwards
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Yes! Make sure you prioritise this.MovingForwards said:Somehow I will be having the second bedroom as a bedroom and art / photography room!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 -
It will be great when you've cleared more space for what really matters.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 29/7/251 -
You are definitely making progress Babs, well done!
Very difficult to persuade others to declutter (ask me how I know) - just dropping the little seed of how much better you feel clearing X, how much easier it is to find Y, how you didn't realise you had too much/wrong size now/how nice it feels to donate?
"...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 = £41.642 -
Thank you DIA, SH and Ren
Hopefully I can get that set up this week. Turning it into a proper bedroom won't happen until I get the built-in wardrobe.
All TomBo's clothes fit as his weight doesn't really change 🙈
Utility company now have my building and flat showing, no discount yet.Mortgage started 2020, aiming to clear 31/12/2029.4 -
No utility discount but progress is being made 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 -
It's very slow progress DIA.
Paid ³/5 off the bill today, it's not nice seeing savings going down.
- I've now split my 'float' account away from the rest of the savings accounts on my spreadsheet.
Homeworking for a while, so can continue saving the commute costs.
TomBo likes the ideas I have for the kitchen. As we are watching a lot of DIY / renovation shows, he's pointing out things he likes and dislikes.
I'm looking forward to my long weekend again.
£10 in the bank, 2 days until payday.
Had meatloaf for tea, having chocolate for pudding.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Long weekend sounds good. Well done on the bill payment. Good that you are uncovering Tombo's tastesAchieve 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 -
Well done on surviving with a surplus till payday.Aiming for a minimal spend 20223
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Thank you SH, I've got long weekends every week for a while.
I'm hoping TomBo spots some colours he likes soon, then I can start planning the whole flat.
Thank you SW, I'm now down to £3 as I moved some to savings.
I get my account down to £1 payday evening every month 🤭Mortgage started 2020, aiming to clear 31/12/2029.3 -
Yay to long weekends 🤗 I have one too this weekend but not sure how productive I will be. I feel shattered!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/p14
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