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Moving forward and upwards
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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 31/12/2029.3 -
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 31/12/2029.2 -
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 31/12/2029.2 -
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/p13 -
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 31/12/2029.2 -
Rest up. As usual the soup sounds lovelyIf 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) 25/0720252 -
Enjoy your weekend. Well done on the budget, savings and sippAchieve 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 -
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 31/12/2029.1 -
Great news on the overpayment! Vanilla latte sounds lovely, especially in this weather.2
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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 31/12/2029.3
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