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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Good to see you back DIA, hope your move went well 😃

    Releasing the inner child is loads of fun! Sometimes we have jelly or A-delight, or viennetta and giggle while eating 🤭🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had some time with family. Hopefully we'll have some soon once various people's vaccines kick in and lockdown eases
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH, I do really like TomBo's family, they're what I'd describe as a 'normal' family. No arguing, jealousy, competitive and put downs, just always encouraging. Which is a total breath of fresh air from my own and everything I knew before moving up here.

    There's blue sky and sunshine today. Hopefully warm enough to do a bit of weeding, grab some compost and sow seeds.

    For now I'm letting my coffee settle then will make a start on the porcibule.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Blue sky? Amazing
    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
  • It’s great to have lovely in laws & that they are so supportive. We have had sun & blue sky last few days but forecast to come cold again by Thursday 🥶 
    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
    Get a lot of blue skies up here SH!
    It is Skinty, all of the extended in-law family are welcoming.

    Yesterday I planted up the first salad bar, raddish, beetroot, leeks and spring onions, plus I got my first lot of spuds in. I also put another coat on the porcibule.
    Had roast lamb yesterday, it was delicious! TomBo baked some almond puff pastry's and I also had some of the fruit pudding; definitely exceeded cals yesterday, but if it's only very occasionally I'm happy with that.

    Things to do this week are start sowing the greens (cabbage and cauli) and some tom's, tidy up more of the patio and do more on the porcibule. TomBo is to use the new incinerator to clear a load of wood, keep doing the flat neighbours garden.

    £72 in the bank, still to pay the unknown utility bill and bank fee, 11 days until payday.

    Having leftover lamb tonight 😃
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Planting all those is great. I want some of your lamb and pudding. YUM!!! 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Got another coat on the door and frame. I'm going to keep adding a coat each evening after work.

    Had a lamb stew type thing tonight, with potatoes, pudding was the almond puff slice.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tombo does sound an adventurous cook
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    He definitely is, I can come home with random things and he will make a meal from it. I tend to make Indian, Italian or roasts.

    It's a clear blue sky today, warmer than it has been.

    I'm going to do some seed planting later, plus get another coat on the front door. The more I can get done this week, means the less I have to do on my long weekends and I can then fill it with other stuff and rest.

    Having chicken later.
    Mortgage started 2020, aiming to clear 31/12/2029.
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