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Gardening sounds grand - and like you've been having good weatherAchieve 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 -
Thanks SH, there will be the occasional cold day, but mainly sun and rain until winter comes.
Setting up second compost bin today, doing more weeding and tidying.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hope you have a lovely day in the garden. I’ve put some washing out, we have a bit of a breeze but very cloudy & no sun so far.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/p12 -
Thanks Skinty. T-shirt weather all day ☀️
Did two sessions in the garden!
First was weeding, tidying and sowed spinach seeds. TomBo finished off the shared path (between ours and lad across the landing), which looks good and got the second compost bin set up.
Second session was helping TomBo with another neighbours garden (lad across the landing). Trimming hedges, plants and weed removal.
I've had some ideas for the downstairs neighbour front garden. I can put various bulbs in, taken from our garden as there's loads popping up in the growing section; daffodils, hyacinth, crocus. When we get more chip wood for ours, we can use some in his front garden and make it low maintenance. Technically nil cost.
Had pie for tea.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Sounds like you are beautifying the neighbourhood. Go team!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 -
That is true SH, 5 back gardens for the block, 1 front garden and the next building neighbour garden 😃Mortgage started 2020, aiming to clear 31/12/2029.1
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Hurrah that you did some weeding, sowed some seeds too and tidied patio. It's great that Tombo is doing things. It might be the start of a new business for him. Yum to your food.Aiming for a minimal spend 20222
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Thanks SW, I doubt a business could come of it, he can't do physical work on a daily basis. I'm just pleased he's doing things as it gives him a purpose.
I forgot to add SIL's allotment to the list!
TomBo did some weeding and tidying today, I've only done my day job and cleaned the bathroom sink, will do the remainder throughout the week.
Had beef curry and rice for tea, plums for pudding.
£7 in the bank, £2 is bank fee, 4 days until payday and I'm slowly filtering the money to savings.Mortgage started 2020, aiming to clear 31/12/2029.2 -
'Had pie for tea' four lovely words!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 -
Sadly DIA it was a lot more pie than filling, very disappointing as I do enjoy having pie as an easy meal.Mortgage started 2020, aiming to clear 31/12/2029.2
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