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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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: 17,149 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: 17,149 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: 17,149 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.
  • 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 28,971 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 £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 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
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    Great news on the overpayment! Vanilla latte sounds lovely, especially in this weather.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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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