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Moving forward and upwards

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  • Yes SH!
    I'm waiting until it changes up here to the Scottish version, gives me time to get examples of limitations. Unfortunately I'll struggle to get supporting statements, as I don't have the network like you do.

    TomBo went for his run, did the shopping and filled my car up, I've sent him money to cover it.

    I was sent outside to look at the garden, picked some beetroots and a turnip. Everything else is looking good, flower bulbs are sprouting and purple crocus are in flower.
    - Seems like a nice day to get my onions in, but I've not had the February frost yet and don't want to lose this lot before they root.

    Back in my PJs with hot water bottle and feet up.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Really hope I get it. Even the basic is great.
    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
  • I hope you do too SH, I'm watching with interest.

    Cat knocked on the bedroom door about 2am as she wanted to come in, charged round to build up speed and get on the bed. Was generally a bit of a loop throughout the remaining hours until the food demands started.
    - high winds all night and it unsettled her.

    It's rained heavily for a couple of hours, now clear blue sky and sunshine. TomBo has grounded me, but I had no plans to move from the sofa; he's gone for a run.

    Payday in 8 days.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Irritating about the cat and winds disturbing your sleep. Glad you are getting some rest today.
    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
  • It's just what cats do SH, they all have their own quirks. She doesn't exactly disturb me as I don't really sleep properly.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Good to hear you are relaxing today. Hope the weather improves in time for your commute tomorrow 
    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
  • Thanks Skinty

    It's been raining off and on all day, I'm expecting a rainbow this time.

    I've finally transplanted the succulents into their new home, they look great but the bathroom really needs a makeover now. 

    We've been talking about properties and areas, TomBo is worried about us moving further up the county, especially in winter. However, he's suggesting locations and looking up things to do / amenities.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It will all help with your planning. 

    Glad the succulents are now in their pretty trough
    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 SH

    Unfortunately the best laid plans always get ripped from under my feet. TomBo has admitted he's struggling with his job, from a MH point of view. Stress, people and him are not a great mix, let alone in work. I'm currently figuring my conversation for when he loses this job, convince him to get a neuro apt and be open with the Dr, at least he could then claim PIP and cut his losses about trying to work.

    At least I've managed to change to a better company and that's why I've not posted for a couple of day, trying to get my head round everything again.

    Payday in 5 days and we had tomato soup with chilli and cheese bread.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • I hope you manage to get everything sorted for your partner that sounds stressful 
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