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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
    Spent a few hours outside and did everything I planned earlier. TomBo was working on No2.

    Potted up some more toms, will do another batch tomorrow. Watering from below to encourage root growth.
    Have to get the squash potted up as they're a mass of roots.

    Moved the bulk money to savings as it's the start of a new month. 

    Did a manual payment for the extra 10% to SIPP, already updated the DD.  Bills and SO savings come out on Monday.

    Had cherry and almond scone for pudding.

    Thoroughly enjoyed myself today.
    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 fun
    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.

    Been on furball duty this weekend, treated them to some Savoy cabbage.

    Popped to the nursery got some more canes, plants and netting.

    Set the netting round the cabbage etc, planted the plants as extra protection too. Did a bit of weeding.

    Transplanted the squashes and have them in the kitchen window. Got some pumpkins on the go for 'SIL'

    TomBo burned some of the trees / plant waste and hopefully the rest will go out over the next couple of council collections. He also mowed 3 lawns.

    Had chicken burger for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,444 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Sounds like a great weekend Babs, you and tombo are having such fun 😁
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    MF and Tombo congratulations! I cannot believe how much you have done in a year. I was still unpacking boxes!!!! 

    Well done on lovely food bargains, your gardening and writing the epic letter. The fact you have written it is cathartic in itself and tangible evidence brings another strength to your work negotiations. 

    I hope you are chilling and gardening today.
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty and SW

    We didn't have the space for boxes and bags to be everywhere.

    I'm still not confident anything will come of this extra work, but maybe I will be surprised; I do hope so as I'm tired of always getting dumped with loads more for no extra money as always happens in every job I've had.

    Totally forgot it's a BH today and panicked for a few minutes as no bills came out.

    It's a normal day for me, however I collected a much better chair today and have another one waiting to get delivered to the office for when I'm working at home / the office, if this one is reliably suitable. It's already made a huge difference. 

    Also while out I managed to acquire a chair for TomBo, which cost me all the money I had in my purse (less than £10). Looks brand new, is old but has loads of life in it 🤗

    It's drizzling, but hopefully will perk up by the time I finish.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,444 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Great news that your new chair is helping and bargain chair for tombo. Do you still get to take BH another day ? You should still be entitled to the time. 
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Well done on chair, it will be a scandal if they dont I think they will now it is written down they can't deny it. 

    I hope work goes well. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    It's included in my holiday allowance as I get more than 28 days a year and we close for Christmas. Hardest part is getting to use them at the moment. If I do the long weekend thing again this year, I'm going to be even more reluctant returning to 5 days again in the new year 🙈

    It's now raining, TomBo put the bins out, went for a quick walk and was soaked through.
    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
    It's poured down with rain here all of today yoo. 

    Hope work give you some extra money.
    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
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