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Moving forward and upwards

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Yum to fresh peas, i am only growing tomatoes and green beans and cucumbers. Hurrah for car insurance refund and scrap money - every little helps. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    That's plenty to keep you occupied SW!

    Went to bed after work, so wiped out. Been flopped on the sofa since I got up. I've booked a few more long weekends.

    Made another months O/P on the CF. The monthly leftover savings, leftover insurance refund plus scrap money was nearly enough, therefore I used a bit from the petrol budget to make up the very small difference. 
    - that's it for CF O/Ps until payday and has made a nice dent in the debt.

    I'm going to use the car pot to pay for my licence renewal, then reimburse it when the tax refund is received.

    Had Thai chicken curry and rice for tea, doughnut for pudding.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,007 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Good to have the vouchers. 
    It is getting darker earlier now and your mention of Christmas and Boxing day food chimed :)
    Nice to see you enjoying your car...
    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) 25/072025
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice to read about mil and the car news. Love the nail polish too
    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 DIA and SH

    It's good to have some dark hours overnight.

    The nail varnish is holding up. I'm hoping it will last until the weekend when I can pick a different colour. Might do metallic purple sparkles next!

    Pulled up the last of the garlic yesterday and the remaining baby seagull is exploring other gardens. It's safer to go outside again now.

    TomBo has taken the car out this week and likes it. We have a key each with this one.

    I'm not planning a long distance adventure this long weekend, but will stay within a maximum radius of 20 miles.  
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hurrah it is nearly the long weekend. I am wishing you a great one. You work so hard. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SW

    Had the car tax refund, just over £20. Paid that in via a bank app.

    Contacted my insurance company about the old insurance and I'm getting a refund of the cancellation fee; their rep said I would get it back if I took a new policy for my new car (oooops, he was wrong, but they honoured it).

    In total from old insurance, old tax and scrap we've received £374 and some pennies 😲

    I'm popping to the dealer tomorrow to see what's going on with my replacement wheel trims. Will also get my licence sorted out at the PO as it's over that side.

    We might be going to 1K3A as I would like a couple of bins to match our rubbish bin. They will be our internal recycling bins. 

    Haven't stopped yawning all day and have permanently changed my hours to the earlier start / earlier finish.

    Having one pot beef tonight with homegrown veg.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,450 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 5 August 2021 at 4:43PM
    Great overpayment. One pot beef sounds lovely 😋 it’s pouring with rain here & chilly so yay to nice warming comfort food 🤗 Good luck sticking to just buying the bins at 13KA! 
    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
    OMG you are rich. I hope the tiredness stops soon. It is hard an early start!
    Aiming for a minimal spend 2022
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