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Moving forward and upwards

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Comments

  • Thanks Skinty
    Seems to be fine, but he did yesterday when I got in.

    The other always seems more draining than vomiting, a couple of trips and it seems all food reserves have gone and instant weakness kicks in.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    January financial round up:

    Saved £126.67
    Saved car everything pot £20

    Paid £10 into SIPP and moved my allocation around, closing some pots.

    Owe approx £59,721 on the mortgage
    Owe £2210 car finance

    CC has a nil balance

    Plans for February are keep ticking over, save £150, save £20 for the car pot and £10 into my SIPP; I've got my work pension taken from wages.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I've altered the boiler timer in the evenings, it comes on for a while, then off for a while, before another short on session. The flat is staying warm enough for me.

    I popped to the local shop, got reduced price veg pack and mushrooms, grabbed 2 large milk, spuds and a large tub of yoghurt. Spent £4.99

    Managed to annoy cat, gave her beef flavour when I got in, her least favourite. She complained to TomBo when he returned and didn't stop until he gave her a different one.

    We had sausage, mash and onion gravy for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Great that you can turn the boiler off for a bit. Hope you don’t get the snow and gales 😨 We’ve got sun but a bitter north wind 🥶

    How very dare you expect the princess to eat beef flavour 😆
    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: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty

    I'm going to see if I can knock another 15 minutes off it over the weekend.

    Ended the week on a positive and I'm currently trying to wrangle some O/T.

    I've got my feet up and we're watching a film. I won't be going out the weekend, just resting up. Depending on how I feel, I may dye my hair and have a little pamper.

    I had tomato soup, TomBo had chicken soup, served with chia seed bread. Cat had a bit of each soup, she may be a bit spoilt.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,456 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Rest up. As usual the soup sounds lovely  :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your weekend. Well done on the budget, savings and sipp
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • Thanks DIA and SH

    It's raining and windy today, good for the growing garden. 

    TomBo has been for his run, did the shopping and filled my car. 

    As a result of me not paying the above this week, I've made an O/P on the CF 😀
    - feels like I'm back on track to pre-bereavement plans, albeit with less money in the bank than I would have had she not died; hope that makes sense.

    Sibling has some work lined up. Hopefully things will continue to pick up again and then I can get on with sorting probate out and wrapping everything up.
    - in a way my life is on hold until it's done as it's just 'hanging over me', waiting to be dealt with.

    I've had a vanilla latte, my feet are up and I'm snuggled with a hot water bottle.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • atrixa
    atrixa Posts: 549 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    Great news on the overpayment! Vanilla latte sounds lovely, especially in this weather.
  • Thanks atrixa, they're sachets from A1DI and all the flavoured coffees are nice, better than branded as they're smooth, not bitter. Possibly the one weekend indulgence I won't give up. The iced coffees are fab in summer and the reason I got an ice cube tray last year 😀

    The CF felt like it was stagnating only paying the contractual agreement.

    I'm contemplating booking a couple of Friday's off work to go swimming, just have to time it right and budget for them. I'd still like to join a private member's place as their pool hours are more suitable, I'll revisit this idea later in the year.

    I've used the last of my l3w1s voucher, ordered a stuffed marv3l toy, just had to pay a bit towards the p&p. 

    Later I may transplant my succulents into their new fancy pot, if not I'll do it tomorrow.

    We're about to have cheese sandwiches and watch some archeology, yes that old TV series 😉
    Mortgage started 2020, aiming to clear 31/12/2029.
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