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Moving forward and upwards
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I hope that your tummy get's better, hoping there is a food you can hold down. Poor Tombo. I hope he is better v soon. Yikes to driving with no streetlights. Stay well and safe both of you.Aiming for a minimal spend 20222
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Thanks LW2G and SW
I desperately need a break from it all, but I know there's months before everything is finalised. I need to ensure there's lots of 'none' days, or as best as I can get away with at the moment.
Second day of doing the run back from work and I'm still not keen on the road, the mway is better as the lane is wider. Hopefully I'll get used to it in a few weeks.
My CC have let me do instalments on the deposit, I've done it over 2 years but will get it cleared well before then. I'll be paying the other two things I put on this month.
TomBo seems better this evening.
We had chicken wraps for tea.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad things are settling a little. Hope celebrant appointment goes wellAchieve 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 -
Hope the drive home gets easier. Good news on the cc instalments 🤗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, I've not got a clue what to expect, but she said it takes an hour!
Thanks Skinty, it should do, once I'm more familiar with the roads.
I parked up for a minute this morning, on my way in, and took a few photos of the sunrise 😊
I'll have to monitor my data use for the next could of bills as I'm using it a lot now, no free WiFi at work 🙈 and I'm not sure how much my navigation uses.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Maybe the drive will be better in the spring and summer months. I hate travelling in the dark tbhMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3
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Thanks LW2G
Managed to go a little quicker today, getting in a few minutes before the call was due to take place and she was late. Got everything organised though.
Going to give TomBo until the end of this week to confirm he's attending and if nothing I'll book a hotel for me. I can't keep waiting as I'm at risk of the costs going up and I'm pushing my spending as it is.
We had pork steaks and spuds for tea.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Glad the call went well. I agree with you about booking hotels - especially so close to xmas.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 29/7/251 -
Maybe with the hotel look at one where you can book but canx for a while if needs beMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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I thought about that LW2G but I don't have the money to book a replacement, while waiting for the first one to refund.
Role is going well, I'm still sussing everything out but it seems to be a good crew. As for what I actually do, bookkeeper, procurement, events and ? is probably the best description; I'll work out a description for ? when I start doing it. Therefore it's a bit different to what I was told, but it suits me. On top of that I'll be learning other roles and covering during absences, like normal companies do things 😀
Last night I spent a while the appropriate free OU courses. Long-term I'd want to do the $ag3 qualifications and will start saving for that next year.Mortgage started 2020, aiming to clear 31/12/2029.3
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