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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH

    It's the prompting to eat rather than cooking, especially after tonight's 'added bonus' where I had to show the evidence of it; but now he knows to carefully check the veg 🤢

    I ordered the second book I need for my next module last night, brand new as it's allowed in the exam, saved a couple of quid as it was free postage. It arrived lunchtime!

    Had sibling constantly going on about various things, I ended up being quite blunt a couple of times as I began to get very stressed and angry, making it hard to focus on studies.

    I cross referenced the syllabus against my book, there's one chapter not in it. When everything is consolidated I'll check to see if there's any individual bits not covered and cut those out when condensing my condensed notes. 

    Not sure if I've said but my modules, the revision and all the extra internet research counts as CPD for my regulator 😀 just doing one full day covers my annual requirements 🤭
    - I'll probably clock up about 100 hours this year with studies and work training, let alone the amount of hours with my next module!

    1 page and 4 chapters to do by the 16th, with 4 chapters to check / tweak by the 31st. I think I'm going to get it all done 🤗 🤗

    Bills come out tomorrow.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    My regulator opened up the CPD year for the one that's just ended, I had to quickly input the info.  I was told there wasn't any requirement until the new one opens. Needless to say by the time I'd updated everything I was too unsettled and didn't sleep. I did a few of my virtual classes to pass the time.

    Bills came out, some savings have gone across and I've ordered some aftermarket ink for my printer as it's only for revision notes.

    Sibling was still going on today and since replying very bluntly I've not heard a peep. Gives me some peace and quiet for a bit at least.

    I finished the last bit on the chapter and made a start on my new one, only 54 pages to go.  This is a beefy one. I was flicked through the pages to see if I could find natural breaks but I'll be going at it until my eyes roll each day as I'll have the flat to myself. 

    Got my feet up waiting for TomBo to get home.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Yesterday I called my lender for a mortgage balance, it's lower than I have it down as so I updated my little book. They compliment me on making O/Ps which is bizarre 🤭

    I've made just over £12 in interest on my savings, that doesn't include car pot etc. I'm earning almost as much as when I was saving for the mortgage deposit.

    Cat went absolutely mental when TomBo left, paced round the flat trying to find him, screaming at the top of her lungs and eventually settled down. Think he forgot to say he way going away! She's come to bed for cuddles with me.

    Did nearly 7 hours of studies.  It feels like I barely made a dent on this chapter, found a natural break as I got to a bit on EU again and decided to call it a night. I should get this finished by Friday. I've forgotten how many pages are left and think I also miscounted how many chapters I've got left to do, so I'll double check that tomorrow. 

    I got a tarka daal and 3 chapati from my local curry house, it was really nice and I've got half left for tea tomorrow; used cash from my purse. 

    Set my alarm, just in case I sleep properly 🤭
    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
    Well done on all the studying. 

    The food sounds tasty.
    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 SH

    It was delicious. Loads of roasted garlic with slices of roasted garlic and fresh coriander on the top. Was equally as good tonight and I probably could have split it into three meals.

    I've done 4.5 hours of studying, got 34 pages left of this chapter to do. There's 4 more chapters after this and 4 to check and tweak. Then I'll just have to trim the excess down where I can.

    The wind is picking up and I'm having an early night, give my body a few more hours of rest at least; alarm is set.

    Nearly the long weekend 😊
    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
    Glad you have a long weekend to recover 
    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
  • Great news that your mortgage is less than you thought. Studying is going well. Enjoy your long 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
  • doingitanyway
    doingitanyway Posts: 9,980 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    A well earned long weekend coming up  :)
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH, Skinty and DIA

    The mortgage is only nearly £300 less than I worked it out to be. I'm not properly tracking when the capital element changes as I do a flat rate of what it shows on my statement and alter it when I confirm the balance 6 months later. I'm currently paying nearly £160pm off the capital, plus any overpayments.

    Including this one, I've got the next 3 as long weekends. If I hadn't used my holidays like this I never would have got as far into this module as I have. 

    I've got 216 pages left to read and condense, plus 135 pages to check and tweak. I'm hoping I can make up time with some of the topics I've not yet condensed as I've underlying knowledge. Most of the tweaking will be quick, aside from one chapter where there's been a big change over the last few years. 

    I do think I've got enough time to do it before I need to book the exam. Then I've the fun of condensing my notes for ease of revising. Providing I get everything done by the end of this month, I should be ready over the remaining 12 weeks in readiness for sitting the exam.

    Oh yeah, B1 is ripping everything I do apart 🤬 very silly as I can't be expected to know things I've not been trained on or aware of.
    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
    B1  sounds irritating 
    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
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