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Moving forward and upwards

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frog swimming = breast stroke

    Well done on the swimming. Great when you grow in confidence. 

    Great too that things worked out with Tombo and your new jobs. 
    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
    I've sat here trying to plan what lunches to have at my new place as breaks are mandatory. I'm thinking along the lines of nibble boxes, rather than bread based as it will give my IBS time to settle and can be quite varied.

    So far I've come up with chicken / sausage / pork / cheese / egg with salad and couscous or rice, soup cups with crackers, hummus and dip salad / falafel. 

    Snacks will be things like nuts, fruit, yoghurt, rice pudding.

    Breakfast will be my usual smoothie.

    Drinks will be squash, hot chocolate if it's a cold day.

    I'm looking to keep my budget to about £10 a week, use leftover meat from some of the batch cooked meals (or buy a bit extra and cook it at the same time), salad will be toms, cucumber and celery, occasionally carrots.
    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
    If there's a microwave - presumably you could take leftovers or do jacket spud type meals 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
    We don't tend to do leftovers SH and I'm not a big fan of nuking food, or having big lunches at work. Little but often is what suits my stomach.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    The day has been such a farce and it feels like I'm banging my head against a brick wall. Flip side is, a few people are envious I'm leaving and some are gutted. Isn't it odd the ones I don't physically see could tell I wasn't happy and the ones I do were blind to it all. I could write pages of rants, but keep telling myself it's not long now.

    Temperature is dropping quite quickly, almost got goosebumps. 

    Most of the bills came flying out my account this morning and what money I have left is for the CC and food. I've some earmarked for petrol and a bit more cash for bills to top up final wages to nearly a full amount next month.

    I've called the mortgage lender to get a current balance, it's a bit higher than I thought. I think I misread the statement and know to be careful when the next one arrives 🤭 or just ask them for confirmation 😀
    - between O/Ps and contractual I want to pay £667 to reach £60k, by year end.

    I'm beginning to formulate plans for 2022 and hopefully I'll have them finalised over the Christmas holiday.  

    Having beef and mushrooms for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Grit your teeth and carry on. Another day nearer to escaping! Plans sound good for this month and next. Agree about the temperature I’ve got a Tshirt & jumper and a zip up fleece on
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty, I want out as I've had enough, I'm exhausted, worn out and need a break. At least I've only got half an office day to do and until then I'm working at home.

    I still don't think I've enough winter wear. I need to get some more woolly tights, another couple of thick cardigans and possibly a pair of the woolly suede type boots, but not a branded pair; I don't recall seeing them in the shops this year. 

    I'll see how I feel tomorrow and try to move / sort the rest of my clothes over, then I will know what I've got and what I definitely need. 

    What I want to do is have a few things in my new office, that way if I get cold I can layer up. 

    We had yoghurt for pudding.
    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
    Hope you don't have to spend too much kitting yourself out in winter clothes. I've got an extra cardi on and a blanket - but have had the heating on for a few hours at a time today as it got as low as 15 in the house and that was cold for me.
    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
  • Thanks SH, just spotted your post confirming it's the breaststroke. The true confidence test will be when I go alone.

    TomBo has been trained and was running solo with his role quickly. Depending on how long he stays with this company he could end up with a nice little DB pension on retirement; he's potentially fallen on his feet with this one.

    I'm on my second vanilla latte and making attempts at taking deep breaths, my happy place is reading the offer letter 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
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