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Moving forward and upwards
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Glad you've got a plan. Hope your OH find some way of bringing money in - whether its benefits or work.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 29/7/252 -
Thank you SH.
279 days / 9 months 3 days it's taken for the utility company to resolve everything 😶
I've checked comparison sites and directly with some suppliers, my address is now recognised.
In the 279 days since getting the keys we've used 1220 electric units and 488 gas units to date.
The first bills were £436 and pennies. 264 days use for gas and electric; or £1.65 a day if we do basic maths.
In the 23 days between that bill and me providing the next meter readings I'm expecting a bill of £107 and pennies, or £4.65 per day with basic maths.
- They are not charging me for this bill as a goodwill gesture; had I known I wouldn't have paid all the other bill off!
Let's play at basic maths again:
Add the two bills together and it's £1.94 a day or £710 a year, yet they want £80 odd a month if I stay with them.
In a few days when the bill is produced and the credit applied, I'm emailing the other company to jump ship and test the waters to make sure it's all resolved; I've a complaints handler with the new company who knows the background and helped me get this far.
- Then switching again after a month or so to an even cheaper big name as I should have nearly a year of used units to get a better idea than my current estimate.Mortgage started 2020, aiming to clear 31/12/2029.3 -
I'm circulating my photography to an even wider audience of people I don't know, getting very positive feedback and a plan is being formed.
I've been thinking a lot about my art painting and want to revisit the concept I did for my very first one. I've asked TomBo to finish off the window surround caulk in the second bedroom so I can pick up my brushes again.
Surveys are back in full swing, have £10.75 already. I'm checking twice a day as they get randomly added.
Moved a bit of money to savings.
Mortgage started 2020, aiming to clear 31/12/2029.4 -
Glad you are having fun with art and photographyAchieve 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 -
Like you I am feeling more creative. There must be something in the air.
I am going to repair my work desk and set up a decent space to work todayIf 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) 25/0720254 -
Thank you SH and DIA.
I've spent most of winter inside, albeit doing DIY, and really need that 'cold weather indoor hobby', my 'warm weather outdoor hobby' is photography and I've got my gardening. My DIY won't last forever!
I am edging closer to setting up my proper photography system. I've asked TomBo to connect the last lead, if I can remember where I put it; it saves me trying to scramble around in my 'office'.
- Eventually that set up will move in with the 'studio', when the 'office' is no longer required.
I've eight long weekends left, then back to normal days.
Tonight I've a survey which pays £25 survey points!
Mortgage started 2020, aiming to clear 31/12/2029.5 -
I really dislike this utility company. I've submitted another complaint. They've added things about me to an account for someone who apparently lived here a decade ago, previously they addressed me by this person's name. I set out a long list of things I want doing and asked for a full and detailed response to everything that's happened.
I've given them a deadline and will be going to 0fg3m and 1C0.
I've emailed the other company, asked them to check the national databases and to move me over.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
What a nightmare this utility company has been! Hopefully the threat of going over their heads will get them to sort themselves out3
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Hope the utility stuff gets resolved soon. What a PITA. Glad you are practicing self-care and making time for hobbies. I'm looking forward to April when my holidays restart. Definitely planning on buying extra holidays.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 -
The chimney project sounds great, boo to the utlitity company and a sincere hug for Tombo regarding his job. In this climate it is v common and v scary.Aiming for a minimal spend 20222
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