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Moving forward and upwards

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you are in a tough situation and trying to make the best of it.

    I hope things improve for you soon. 
    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
  • Hope they sort their sh*t out soon, you have enough on your plate to worry about 
    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 genuinely do hope so as it's got the potential to be so good!

    Guess who's been left overseeing everything for a few weeks while MD is out 😉 

    It was a lovely day, warm sunshine, lunch paid for and a selection of ice creams appearing in the afternoon; there are some nice touches.

    I'm hoping to do a bit of gardening tomorrow and sow seeds, possibly dye my hair, brows and lashes if I've the energy. Sunday I'll rest as I've pushed too hard this week.

    I've donated money to a couple of charities this week, cashed in bank rewards to do it.

    We had soup with chilli and cheese bread, bar of chocolate for pudding.

    Watching the most random / odd film!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Intrigued to know what film you have been watching?
    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
    It was django unchained, funny in parts, parts had me thinking what the ..... am I watching.

    Sunshine is streaming through the back of the flat and edging into the front.

    Tweaked the GCH. Now it's only 2x 15 minutes in the evenings and that may be too much; I'm hoping to have it fully off before the end of this month.
    - When it comes to next winter I'll be doing the on / off timer again.

    Sipping my coffee before I get ready and see what's going on outside.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Haven’t seen that one. Will probably give it a miss based on your review 😆 Hope it’s warmer weather by you. Freezing blustery wind here. We have our heating on 2 x 15 mins at 7pm and 9pm. Have a lovely weekend 
    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
    A glorious, warm and sunny day. Windows are open and I've stayed inside; body has failed today and I won't be having a pamper.

    I've sowed tomato and chilli seeds, they're sunbathing in the creative room. 

    Currently for sale are two properties which caught my eye.
    - A 3 bed stone house, with garden about the size of mine, in the village I wanted when looking originally. Usually sell for my normal budget.
    - A 2 bed former fisherman's cottage with a front yard and close enough to the water I could walk it. Similar ones have sold for my absolute maximum budget, full mortgage, all proposed savings and estimated inheritance. I've already worked out how I would make the yard work for growing 🤭

    What I'm learning from property window shopping is it's definitely the locations I'm after and the property itself I'd make work. Have to keep saving.

    TomBo has cooked a rice and bean soup for his lunches. Made a spicy Italian sausage and tomato soup for tea tomorrow, defrosting spag bol for Tuesday, soup and bread night Wednesday, fish fingers and waffles Thursday, soup and bread Friday. 
    - Plans might change as I've entered a comp my butcher is running and I may try the fishcakes my breadman has.

    I've had toasted cheese on chia seed bread for lunch. We're having pizza for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
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