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Moving forward and upwards

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Put out the flags. Sound the trumpets. Tombo noticed!!

    Pleased for you. Good your seeds are popping up too.
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    He couldn't help but notice SH as he kept poking his head into the shower room and chatting while I did my brows and lashes, thought he was going to bring a chair in while I did my legs. I also sat on the sofa with hair dye on for an hour.

    TomBo does like it when I've had a pamper, but said it's up to me if I want to do it more frequently.

    I look so much better and I've caught some sun. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Good to hear you’ve had a relaxing pamper day & a bit of colour from the sun will give you a natural lift. 😊
    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

    It was hard getting up today, but at least the run in was easy due to school holidays.

    I'm swaying towards being mortgage free and working PT, those few days off felt so good.

    The sun is out and I'm grabbing 5 minutes of it!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Went to T after work, grabbed some hair dye, t-roll, bulk bags of pasta, multipack tins, big box of cat food etc, a few packs of meat, a bit of fruit and veg, dairy and bread products, nut snacks etc and some reduced meat and fruit; filled my boot and passenger foot well. Spent £77.

    Filled my car, cost £43.

    Thank goodness I'm growing more of my staple veg items this year. It will soon be cheaper to get all my meat from my local butcher too.

    £86 in the bank, £2 is bank fee, 18 days until payday and looking forward to having BH Monday off 😃
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 9,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Pleased your pamper went well.
    Good to read your growing plans.
    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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,449 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 12 April 2022 at 6:34AM
    Sounds like a good hoard for £77. How much is petrol a litre where you are now? Was £43 for a full tank. Do you not get a BH day off for Good Friday as well as Monday 
    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 DIA and Skinty

    Just the Monday off, as I've a mix of local and national ones throughout the year.

    Petrol was £1.58.9, it took me back up to full from a quarter of a tank. I do 300 miles for my commute and have to fill up each week. I can get 7 trips and 1 local shop out of a full tank, but I prefer being able to go straight home after work as it adds to my tiredness levels, hence why I usually fill up on the weekends. 
    - the first £160 of my wages each month is earmarked for petrol, just so I can get to this job.

    Garden had a good water overnight.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • That’s a good price for petrol it’s 162.9 here!
    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
    I'm lucky having a T petrol within a few miles.

    TomBo likes his new job, big contrast to the last one and I'll be taking advantage of this 'window'.

    I've updated my CV, will sleep on it overnight and double check I'm happy with the wording, then I'll start applying for jobs. 

    It's been raining nearly all day, great for the garden and saves me doing it. Temperature keeps fluctuating.

    We're having chilli and rice for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
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