We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Moving forward and upwards
Options
Comments
-
Sounds like you got some lovely items with your voucher. Lots of lovely fruit and veg to look forward to 🤗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 -
Your garden prep is lovely to read.
Glad you feel better
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 -
Glad your garden planning is going well.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 -
Thank you Skinty, DIA and SH
The last couple of days have been tough as I'm so tired. Have to keep apologising for yawning at work.
I prepared my lunch and it's in my bag, just have to make breakfast in the morning.
There's not much going on at the moment, the usual sibling grumbling about everything or unrealistic dreams, cat saying she's starved all day while we're out and TomBo relaying funny work stories to me.
I do keep looking at my income and expenditure spreadsheet to see if I can tweak it further. My savings spreadsheet to see if the pots have increased since I looked at it the day before. I've even been working out how much money I could have saved in 1, 2, 5, 10 years etc.
Now it seems to be taking ages until payday and I think I miss the stability of a fixed date, rather than last working day.
£139 in the bank all earmarked and no fun money.
It will be ice cream season soon 😊Mortgage started 2020, aiming to clear 31/12/2029.4 -
Sad about the no fun £. Nearly there with payday.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 got £26 in my purse, but don't want to fritter it away SH. It's the last of my cake day and Christmas money.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Cannot wait for ice cream season This winter has dragged on long enough.
I hope you get some good rest tonight.3 -
Ice cream doesn't have a season. It is a all year food group. Or is that just me?atrixa said:Cannot wait for ice cream season This winter has dragged on long enough.
I hope you get some good rest tonight. 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 -
Thanks atrixa and DIAI'm trying to keep warm internally hence ice cream season isn't here yet.
Food delivery guy was today and I picked up some fruit, chia seed bread and a French cob, spent £6.
Popped to the local shop after work, got milk x2, tomato soup x4, reduced price tinned toms x8, pasta x2 and Italian meat. All big brands and I spent £9.
We had tom soup with chia seed bread.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Good price at your local shop for all that MF. Our local shop is co op or spa so not many cheap deals or discounts compared to budget supermarkets
Bread sounds lovely 😋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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards