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Moving forward and upwards

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Comments

  • doingitanyway
    doingitanyway Posts: 10,074 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    MovingForwards said:
    Somehow I will be having the second bedroom as a bedroom and art / photography room!
    Yes! Make sure you prioritise this.
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    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 = £41.64
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • doingitanyway
    doingitanyway Posts: 10,074 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Long weekend sounds good. Well done on the bill payment. Good that you are uncovering Tombo's tastes
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Well done on surviving with a surplus till payday. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,469 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    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/p1
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