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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 and FP

    I do walk round the flat, stretch, garden lunchtimes and after after work. The hours don't really work out much different to what I've been doing as I extended them, unpaid, to see if I could work FT, balance health and life.

    I did feel guilty keeping the secret, however felt you'd all understand and appreciate a happy surprise. It was 3 months from booking to wedding and the prep was enjoyable.

    New hours have been agreed and I've a few weeks before they start.  I'll allocate the first £200 between increasing mortgage O/P and savings.

    I've decided to allow myself everything over that, approx £50, to spend on me, regular eyebrow threading, buying v33t and other feel good treats. I still have to get to get the permanent false lashes priced up, patch test done and booking sorted out. Hopefully they can come within the new 'me' budget every other month.

    We had spicy refried beans and rice for tea, brownie for pudding and I'll have fruit in a bit. 
    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
    I like how you've portioned up the new money.
    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
    Thank you SH

    My stance has always been if we're getting by on a lower salary, stick to that budget when getting increases. There'll be another pay rise at some point with backpay, when the unions have finished negotiations, again whatever that amounts to over my current salary will be dealt with the same way.

    I've managed to get us into a good financial position, which is why I've regularly saved since buying the flat, now I feel comfortable and secure enough to allow an actual budget for pamper treats. 

    I'll still be colouring my own hair, lashes and brows, v33t my legs while watching TV but with a good pamper budget I don't need to be 'worrying' if things are not on special offer. 

    I did nearly 4h at 2nd home weeding the area I've designated for flowers. I've put the lavender in, should have the lupin's in tomorrow and will do more weeding afterwards to see if my flower section is bigger than I think.

    We had chicken in a spicy tomato sauce with rice for tea, hopefully I'll get brownie tonight unless TomBo has eaten it all and I'll have fruit.
    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
    Fantastic approach to savings 
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hurrah for rise at work and for treating yourself regularly. So glad Tombo is looking after you. If you get bored pop down here as i have a garden to start!!!! Enjoy it and keep posting ideas of what you are doing so i can attempt the simple stuff. Stay happy lovely friend. 
    Aiming for a minimal spend 2022
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are still buzzing 
    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
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 1 July 2023 at 2:16PM
    You seem very happy. I love how busy you are and motivated. My garden is fast becoming a jungle! 
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH and FP

    I've been to 2nd home this morning, got hold of a tayberry vine and turned it into several cuttings, I've 2 cuttings at home in water. I'm hoping they take as two of us want them on our plots. Ideally one each for neighbours garden, my sibling, possibly SILs plot and any spares I can pass to others.

    TomBo popped down to remove barbed wire. I got rained off lunchtime and only did 4h. It's dried up again now, but I'm snuggled on my chair 🤭 
    - I'll pop down later to water greenhouse.

    TomBo is making and fitting shelves in the bathroom, he's also making fence posts for the garden and 2nd home.

    We're having a 'home' day today, will venture out to do shopping, tip run and whatever else tomorrow.
    Mortgage started 2020, aiming to clear 31/12/2029.
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