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Moving forward and upwards

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,450 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Hope your hand is feeling better today. Let us know what you decide to cook & bake 😋
    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
    Still causing me problems Skinty, so I'm trying not to use it much.

    I'll be making split yellow / red lentil soup / curry, hopefully my new book will expand what I cook as I'll have a glut of spuds. I want to buy gram flour as I've never made pakora or chapati. I'm hoping to perfect my light lunches while off work, then I can batch cook / create tiffin boxes for when I'm back; I still prefer to eat various little bites.

    Car tax letter received today and I've sorted that out, £0 🤭

    It's been raining all day, great for the garden and hopefully will soak into the ground. 

    We had soup for tea, I'm having strawberries for pudding.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I've ordered a support for my hand, I'll have problems doing a lot of typing in my new role so it will get a lot of use. It's my little finger, the one next to it and my thumb, palm of same areas, plus wrist and up to my elbow I've messed up. Really do hate how my body reacts to things.

    Strawbs were delicious. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,005 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry you are still suffering with your hand. A. support is a good idea.

    Glad the strawberries were good  :)
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the support helps. 

    The cooking plans sound interesting
    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
    Thanks DIA and SH, it's helped before for my usual issues, got to give something a try.

    Day two of rain, which should help the plants and soil. 

    Less than two weeks to freedom Day 😃
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank goodness I've decided not to temp straight away, I'm going to need all the rest and recovery time possible. Thankfully my module won't start for a little while yet.

    My regulator has asked for a lot more information and evidence, I'll deal with that the weekend off my laptop so I can gather everything together. Panic is rising and I'm trying to squash it!

    The cookbook arrived, I've kind of glanced through it, but my head isn't in the right place at the moment. 

    Stopped writing to eat and watch some TV, feeling a little better now.

    We had 6 bean chilli with peppers, carrots and minced mushrooms, served with rice. Pudding is a nectarine.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,005 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Take it easy. Lots of change coming up so be kind to yourself.
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the evidence gathering
    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
    Thanks DIA and SH, I did an email search for the CCJ evidence, just have to dig out confirmation it's been paid in full. They're querying the DMP as I mentioned it in context due to the CCJ, but that will get ignored as it was informal. I'm a little calmer today, I can't change what has happened nor what my regulator will decide.

    I'll update my CV and Lk-in while my laptop is on and do some CPD.

    I'm hot desking for my remaining time, which isn't helping my health and the reason I ended up squashing my hand. 

    Thank goodness it's Friday.
    Mortgage started 2020, aiming to clear 31/12/2029.
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