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Moving forward and upwards
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Snow capped mountain views sound amazing.
Good luck with the seed germinationAchieve 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 29/7/250 -
Sounds like your weekend was just what you needed. I hope work is better next week and your ice cream thoughts being us all some sunshine.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming0
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Sounds like you had a lovely day visiting mil. It’s been great to see some sun this weekend and get the windows open, makes it feel like spring 🌞
Look forward to hearing about how you get on growing your seeds.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/p11 -
Thanks SH, LW2G and Skinty
The views were amazing and I took a few videos.
I'm hoping to begin my new growing season this weekend, sharing laughter, struggles and successes with you. Gaining strength to get through another working week, releasing the stress as seedlings turn into food and beautiful flowers.
For now I'll keep this job, when the estate is dealt with and that stress gone, I'll look for a new role.
We had spag bol for tea, chocolate biscuits for pudding.Mortgage started 2020, aiming to clear 31/12/2029.3 -
My seeds arrived today, I'll be sowing them the weekend and if the weather is ok getting the other lot of onions outside.
I've checked my online CT account, they've deducted the £150 'grant' straight off my account. The 1st payment is just under £133, the remaining 9 months are £124 each.
There's 10 months left on the CF. The original term was 36 months and it's looking like I'll clear it within 9 months of getting the car 🤭
We're having chilli and rice for tea.
Mortgage started 2020, aiming to clear 31/12/2029.4 -
Amazing work on the CF! I'm so excited to see everyone's veg effort in the summer
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Wow, great effort on the CF!Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1
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Thanks Atrixa and LW2G
It's been a monster debt clearing push with the CF and CC. I'd originally planned to have the CF cleared by the NY, but obviously the CC debt appeared just before Christmas; at some point this year I get that back from the estate and will put it into savings.
Using the CGH timer and switching the morning one off for the weekends has made a huge difference to my utility bills, just paid £76.73 for the month. I'll play with the timer again the weekend to alter the off / on buttons and reduce a little more of the usage.
- I'll be submitting readings before the end of this month as I'll be paying on the last of the lower rates.
- It will also mean I'm switching the bills to appearing after payday each month and not earmarking the money, making budgeting a lot easier.
I've tweaked my budget spreadsheet to account for the confirmed CT amount.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Great savings on the heating. It’s surprising what savings you can make with a few tweaks 🤗
I’m still waiting for our CT bill0% 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/p12 -
You are sounding much more positive. Glad you had a good time at MiLs 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) 25/0720251
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