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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/p13 -
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) 25/0720253 -
£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 20221 -
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 31/12/2029.4 -
Thanks SW, I know I'm 'lucky', but it was an insult when there was the option of them paying upto a couple of grand as cash in the wages. It does reflect on them as they're not seeing what is going on and how much is being done.
I want out, the stress hit me like a ton of bricks today and I'm going to circulate my CV a bit more over the rest of this month.Mortgage started 2020, aiming to clear 31/12/2029.5 -
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 tooAchieve 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 29/7/253 -
Thanks SHLike you I've aspects there no energy to do, not helped by my health when I'm doing the physical side of my job; I get set up to fail for the rest of the week.
I am stressed, I am under a lot of pressure and yet more gets added on a daily basis; they wanted me to train the new person even though I've repeatedly said I won't. They made the decision to recruit based on availability instead of experience (shrugs 🤨🙄 )
In other news:
The hand cream was really nice, I put three layers on yesterday. The face moisturiser was good, put a couple of layers of that on too and will try and remember to use both at least twice a day.
I've selected what I will get when my B00ts voucher arrives and that way I can have a full pamper at home once a week.
I'm slowly coming round to the idea I don't always have to stick to a tiny budget for everything and I can treat myself, with minimal impact on finance, if I plan appropriately 😃
We are turning the second bedroom into a dressing room. TomBo wants to get any old furniture just to last a few years, I want to buy the right things to last a lifetime and for wherever we move to (if we do). I pointed out some very nice old pieces that are for sale and we are going to the antique shop the weekend, see what they have in 🤭Mortgage started 2020, aiming to clear 31/12/2029.5 -
My day didn't get any better or easier. I did take time out to attend a wellness meeting, which then led on to another and I'm going to arrange more as it's all confidential. Unfortunately I also ended up doing a few longer hours.
I looked to see what normal and career jobs are in the localish area, nothing really jumped out at me, but I will have another look tomorrow. Wasn't in the right mindset today.
I've done the washing up, cleaned the shower and sink.
Kids are on hols this week and I won't be seeing SIL.
£197 in the bank, £2 is bank fee, 16 days until payday.
Mortgage started 2020, aiming to clear 31/12/2029.6 -
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 29/7/252 -
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 20222
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