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Moving forward and upwards
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Well done on the gardening. Food sounds tasty. You will get there with the room - take your time...
Can you sell any of the items with tags on?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 -
Thanks SW and SH
The gardening kept mentally nagging me and I had to wait for a dry day to plant and a few after to let them settle in.
I thought about selling them, but I've no inclination to do so. They're only cheap items from pmark sales or no-name brands. I've also not got the space.
The flat feels quite cluttered as I've not done much in over a year. TomBo also has a different definition of organisation compared to me.
The weekend and holiday plans:
- finish going through my clothes,
- organise the boiler cupboard,
- breakdown office area,
- set up and organise the creative room.
Hopefully when I drive away from the current stress, things will be a bit easier for me.Mortgage started 2020, aiming to clear 31/12/2029.1 -
MovingForwards said:Hopefully when I drive away from the current stress, things will be a bit easier 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 29/7/252 -
I've talked until I'm blue in the face and today has again showed I'm not being listened to. Most errors I've been able to stop before they were done, one I couldn't (how I've laughed at this one). I've also had my usual amount of questions from asking what I've already said and provided info on.
I did have a very interesting chat with someone else. It's helped me realise I was set up to fall from the day I started. My feelings of failure went when the meeting finished.
It's been raining lightly all afternoon, temperature is dropping and I'm sat next to snoring cat with my feet up. I've done some surveys and will do some more in a bit.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Glad you spoke to someone so you realise that you were not imagining it. Just count down the days.Aiming for a minimal spend 20222
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Nearly there yet? Nearly there yet? Are we nearly there yet?
I think you are... It's almost done and then you are on to the next thing - hopefully after a few days rest in betweenAchieve 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 -
Thanks SW and SH
It was good to finally have honesty and I leave with all no unanswered questions, knowing I did do my best.
I hope I'm nearly there as I'm bursting 😄
TomBo came home with the warm boots, he popped to pmark on his lunch break to get them.
We had chicken and barley for tea, biscuits for pudding.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad you can see you did everything you could. Nearly at the finish line. Good on Tombo getting you the boots in his lunch0% 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 Skinty
That one conversation enabled me to regain my confidence and swept away doubts I was having about my ability.
I wondered whether I was living in the past when talking about previous roles, but I'm not, I'm living in the present and future because of what I've done before. Even with health issues it never stopped me having dreams of climbing the career ladder, only working for the wrong company did that.
A few more days and I'm done, having a break and then starting what could be my most interesting role ever 😀Mortgage started 2020, aiming to clear 31/12/2029.2 -
I've danced a few steps round the flat several times and sung a lot today.
I had a little knife accident. Down right silly, rushing, thinking of what I had to do as a task at work, I grabbed the blade to clean it and a finger ran down it too. It's a very clean cut, straight across the fingerprint pad and I've managed to stick it all back together. Hurts and I'm trying not to use the middle finger 🤭
- was told off by TomBo for not leaving it for him to clean.
-- I really am done with that place now.Paid some off the CC off and moved a bit to savings. Union DD cancelled, membership ends next week.
We had chicken wraps for tea and yoghurt for pudding.
I've got my feet up and sipping fruit juice.Mortgage started 2020, aiming to clear 31/12/2029.2
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