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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
    Totally get the noise sensitivity issue. 

    My friend and I went out for a meal and then came home for desert as the noise was too much.
    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, Skinty and SH

    We had shallow fried panco bread crumb covered courgettes with a tom sauce yesterday. The leftover egg and crumbs were mixed together and fried too, I thought it was chicken 😮 I'll be grabbing another courg tomorrow. 

    I'm currently clearing a strip within the section TomBo started. First dig is two hand fork deep, then I'll double dig two deep with my proper fork. Should get most of the roots and unwanted stuff out. I'll be sowing greens and planting leeks by the weekend. Then I'll repeat the process for the fourth strip in that section. Did I say SIL has gave me an aubergine plant?

    Still got a few places to get my name updated, need to get some certified copies as I don't want to post mine off.

    I've been alternating between saving and clearing bits off the CC. I increased my monthly SIPP payment and restarted my S&S ISA contribution. Waiting for the bill DDs to come out my account and utilities I rounded up to £70 when I paid those.

    V33t, smaller spider clips and bands for tying my hair up arrived today. I've mastered cleaning my lashes now and don't worry about losing them; have my in-fill apt Friday. I do wear lipstick or gloss on a daily basis 😊

    Tea was shallow fried salami, pancetta, toms, onions, garlic and gnocchi 🤭 yoghurt for pudding.
    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
    All sounds great 
    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

    There's a positive glow with my life 🤗

    I'm going to 2nd home upto 3x a day, breakfast coffee gossip, lunch and after work to potter and do more. Half of it is beginning to look like an allotment plot and I'd really like to get the section I'm doing set up by next weekend.
    - I may create a small water area with plants by the patio, £50 budget.

    TomBo grabbed a few foxglove seed heads from the garden, they're currently dropping into a paper bag, the poppies are constantly dropping seeds into their paper bags. 

    I've booked a couple of days off work over the next few months, which will give me long weekends. I'll do short notice bookings around the weather, for now I'm flexing my days to provide extra time when it's dry.

    We had a spaghetti carbonara type meal for tea, garlic and pancetta pan fried, add water, later some cheese and it's delicious 😋 he's getting very adventurous with cooking.
    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
    A small water feature sounds lovely. The birds love splashing in my little waterfall as well as sometimes in the pond. I have had a laugh sometimes though when cats go for the birds in the pond and end up wet instead as they fall in.
    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
  • doingitanyway
    doingitanyway Posts: 9,940 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Yum to the food over at yours.
    I love courgettes, one of my fave veggies. 
    Long weekends sound great.
    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: 8,442 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    I think we could all do with a Tombo 😆 2nd home sounds like it is really coming along 😁


    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 SH, DIA and Skinty

    I've little pools of water the birds use and they like to have soil baths in parts I've dug out. 

    I cleared more of the section but brambles are everywhere, I'm leaving holes so I can revert back and finish digging them out. 

    Had my lash in-fills done, good chat about my hair and she said it would cost me a fortune every month as I would be having it coloured twice due to regrowth. I'll stick to doing it myself and she suggested just having haircuts and lashes as my treats.

    We spoke about what I can't / can't do due to health, what I want it to look like when I do mess with it and was surprised when I said take most of the length off; I've got the false hair from the wedding if I want long. She quickly did one easy style and I'll see how it looks tomorrow when I take it down; should be curly. I'm booked in next week to have it cut, £30.

    Got take a dish lunch gathering at 2nd home and tea round SILs tomorrow.
    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
    Nice when you find someone like that who can give practical advice.

    Enjoy your weekend.
    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
  • doingitanyway
    doingitanyway Posts: 9,940 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sounds as if you have perfected the look you want and balanced what you get done and what you do yourself. I had my hair cut recently and feel so much better in myself. 
    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
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