We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Moving forward and upwards

Options
1451452454456457528

Comments

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

    It's a catch 22 as I'll miss having long hair BUT I'm also not the same person I was last year holding on to having touches of femininity. Instead of dreaming about hairstyles, makeup, clothing etc I can now do it all; providing I take my meds! 
    - my new hair cut will hold waves, pin curls etc without the extra weight.

    Must dye my hair in a minute.

    I'm still clearing the one section at 2nd home, there's so many brambles as they've sent runners and also grew from bits that were cut down before I took the plot on. 

    I've ordered some flower and veg seeds.

    I'm not aware of any plans this week aside from work, weeding at home / 2nd home and my haircut. I'll slot a pamper in. 

    It's refried beans for tea.
    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
    That all sounds lovely
    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: 9,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Meds seem to have made such a difference to your quality of life. I'm pleased for you  :)
    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
    Thank you SH and DIA

    The new meds have been a total life changer! 

    I've cleared about ¹/2 of the section and should get the rest finished tomorrow. Another plot holder had a clear out and I've now got some very useful things from cloche to frames for netting, broken slabs for stepping stones and water barrels to catch rain water off my greenhouse.

    The lads are giving me pallets and a few other bits, should get them next week. I can then start getting a pallet fence up.

    My seeds arrived and I've a reusable travel cup thing so I can take my coffee down. 

    Hair apt went really well, I've now a wavy bob which sits just below my shoulders; looks great and I feel good. Tipped her as I've not been doing it for the lash apts, although the amount kind of covers all of them. 
    - TomBo loves my new haircut, thinks it's very cheap and wants me to get regular cuts; I'd only decided the style / length last night before bed 😄

    I'm having bacon and haggis rolls, TomBo is having bacon, square sausage and black pud rolls; brown sauce for both of us. 
    - there's normal sausage and tatty scones for me tomorrow as it was a breakfast pack.

    I'll get my month end financial round up done the weekend.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Glad you are ok. 😊

    Great to get such useful freebies! 

    Your hair sounds lovely. Sometimes last minute decisions are the best 😁


    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your haircut and investing in yourself. Good Tombo likes it too.

    Sounds like the allotment is fab and everyone friendly.
    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 Skinty and SH

    I'm investing a bit in myself each month now as it's all making life a lot easier and I think I've pretty much covered everything for 'me', unless you think I've missed something?

    My hair is absolutely fantastic, I did 3 moon buns (twist, bun and pin hair up) Friday night and it had new waves in over the weekend. I'm actually experimenting a lot more with my hair, sometimes I'll pin the sides off my face or just the one side, I'll fluff my hair to make it big or finger comb to tame it 🤭
    - I have ordered temporary hair colour and some other hair products, see which I prefer for my styles.

    I'll have the section finished and seeded by the end of this week.

    I did arrange a guy to quote for clearing the top half but he never arrived and didn't contact me until 9h afterwards; I'll carry on doing it myself as I've got a routine going now. I've also booked more time off to get everything cleared. 
    - not having the guy means I can spend that potential money on my plot.

    TomBo told me we're visiting MIL this month, doing her garden and saying we're married 😀 I'll take some nice flowers with me.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    July financial round up:

    Saved £283, now £10,425 
    Pamper fund is down to £34
    Car fund £384
    Holding account is at £10

    Put £25 into my SIPP
    Put £10 into S&S ISA

    Mortgage paid £200, down to £54,465
    CC spent £85, paid £438.53, O/S bal £870

    August plans are save what I can, pay what I can off the CC and increase my pamper budget as it's a bit low for my liking!
    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
    Good all round totals. Eek to MIL visit. Sure she'll be delighted.
    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
  • Savings are looking good 😊 I’m sure you will soon have the pamper budget topped up! Hope all goes well with mil visit 
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.