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Moving forward and upwards
Comments
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Glad your licence arrived. Annoying about the unproductive day - but you never know you might enjoy yourself.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
Thanks SH, not when my office is a dumping ground and the cleaners are only doing communal areas. Somehow I have to do 70h of work in 21h next week as I will barely be in my own office when I'm in.
It's foggy out the front and back this morning. Cat was on dawn paw patrol, TomBo got a lie in and I dealt with her breakfast demands.
We might be going to SIL's allotment later. Aside from that no other plans.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Hope you enjoy your long weekend. You can only do so much at work 70h in 21 is totally unrealistic maybe you can delegate or spread some over a longer 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/p12 -
Please try to delegate. OMG. I want to swear but wont. I am furious. I would do what you can and what isnt done can wait. They will figure out that it is unfeasible. Do not make yourself ill or stress about the impossible. Try to chill this weekend.Aiming for a minimal spend 20222
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Thanks Skinty and SW
Hopefully in a couple of months the other role will be filled.
TomBo didn't feel well yesterday and we just chilled at home. Although I did pop to the butcher for the Sunday pork joint and other nice bits.
- I am having bacon and haggis rolls for lunch each day this long weekend.
Just had a letter arrive about the CF O/P's, called them and they've reduced the term. So far I've saved £86 in interest and from next month my contractual payment will reduce by £3.
- As I'm paying another chunk off payday it will all change again, then again each month after as more O/P's are made.
The garden is getting a good natural watering.
I'm hopefully going for a drive later.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad things are going well work wise.
Hope Tombo feels better soon.
Good luck with clearing the car finance.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/252 -
Great savings with the o/p’s. Hope Tombo feels better &
you have a nice drive out.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/p13 -
Thanks SH and Skinty
I decided to go to bed as I was up at 3am. I'm still exhausted.
Tomorrow we are planning on going to PAH for cat treats, that way I get a drive out too.
£25.47 in the bank, £2 is bank fee, 6 days until payday.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Feels like I've explored the county today.
- PAH for treats (TomBo paid)
- H-lf0rds for car cleaning £6
- Garden centre £0 as used voucher- Popped to SIL
I'm now the proud owner of a cherry tree, just planning the layout of my fruit garden and then everything will get planted up.
I've planted out seed spuds in readiness for winter harvest.
Picked herbs, runners and peas.
Have to water the garden later, when it's cooled down a lot.
It's roast pork for tea, banana ice cream for pudding 😃Mortgage started 2020, aiming to clear 31/12/2029.4 -
Cherry tree sounds lovely. Are you having an orchard ?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
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