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Moving forward and upwards

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  • Hope you get lots of lovely treats with your voucher 😊
    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
  • You are on your way to better things. Enjoy the vouchers.
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    £100 of vouchers omg, wow. I genuinely am impressed. In my sector you are lucky if you get a card!

    Have a good rest tonight. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty and DIA

    I picked up soaps, shampoo (supposed to be good), night moisturiser and hand cream. It came in at £21.50, therefore cost me £1.50.

    I ordered a coffee voucher for TomBo, that way he can treat himself over the next few weeks, saves him using cash.

    I've just got to wait for my B00ts and gardening vouchers to arrive, they get posted as physical gift cards.

    Spoke with nice agency. She's putting me forward for the other job, but telling them my minimum salary expectations is my current wage. I don't think anything will come of it. No news on the potential career company yet. 

    Had my last handbag arrive and a suit jacket, both are very nice. Hopefully the last remaining items will arrive over the next couple of days.
    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
    DS applied for 50 jobs in one week and ended up with several offers. It's often a numbers game. 

    Well done on the charity donations. Glad you were able to buy some nice stuff for you 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are finding more balance with your budget. Being kind to yourself along the way makes a difference. Glad you got some support.
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    They think you have time to train the new bod????? OMG. That is their job. They have ignored everything you have said and then add more. Clearly nuts the lot of them. Take your nail varnish in and paint your nails. 
    Aiming for a minimal spend 2022
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