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Moving forward and upwards
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Lovely treats purchased. Good on Tombo insisting that you treat yourself! 🥰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/p12 -
Glad you treated yourself. You are very good at saving - but life is for living too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Thanks you Skinty and SH
Work is manic due to various absences. Considering I'm one of two with the least experience, I'm covering the most amount out of all of us 😳
I'm still going to 2nd home each day, but doing very easy / gentle tasks and I'm slowly tidying up again as I'm fed up with everything all over the place. I'll be spending all Friday working on it and hopefully my cold frames will be in position.
I'm losing the battle with weeds due to the previous overgrown plots and waste ground. I could spend all my time weeding, but never make progress with all the sections I've yet to deal with; covered over to kill everything under it.
Still loving my haircut and want to add more colour as my roots are getting too long. I'm hoping to naturally wake up an hour or so before normal, apply the colour and wash it off in the evening. Just means I'd be wearing a shower cap all day to contain it; this colour is fine to do that with.
I'll tint my brows, lower lashes and paint my nails the weekend.
For now I'm remaining a size 14 as I've some gorgeous clothes, it also means I can eat what I want, within reason.
DDs come out Friday and I've about £50 to last til payday. My lash apt is next week, already paid for.
Mortgage started 2020, aiming to clear 31/12/2029.1 -
I’m glad you are taking it steady with 2nd home. Your hair sounds lovely 😊 What do you use to tint your brows? Mine have almost disappeared. Think I would probably get my hairdresser to do them as I’m not very brave 🤦♀️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/p13 -
Sounds like you are making a real contribution to the team.
Nice that you are balancing that with treats for you too.
Have you managed to resolve your meds again now?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Thanks Skinty and SH
I use swskopt eyebrow tint, it's about £7 a box but barely any gets used so it will last over a year. Have your hairdresser do it so you get to understand how it's done, then maybe DIY.
Put my hair in curlers last night, had huge hair for a few hours and it settled to another gorgeous style. I've never faffed with my hair this much ever!
I'm making a huge contribution but not happy as I've now got the biggest, and worst, workload. Did over 11h straight today.
Meds were all sorted and I'm almost back to normal.
Went to 2nd home, harvested three types of tomato, which TomBo turned into a pasta sauce for our tea 😄 I've easy, medium and hard tasks to do and been doing easy ones this week; conserving energy for a hard task tomorrow.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Glad the meds issue got resolved.
I need to consider eyebrow tint at some point...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
Thanks SH
You could always use mascara instead of getting them tinted.
My 2nd home mate finished installing the slabs and I've got my cold frames in place, gave them a bit of a clean. I had a tidy up, organised some things, weeded most of my pea / carrot section and sorted more of the chips. I was there for about 9 hours and had a much needed relaxed time.
Got home and had a lovely shower, let my hair dry for a bit and put it in small curlers, just added a spritz of hairspray. My hair will be big in the morning!
- I've ordered more perm rods as I've not quite got enough, plus a couple of hairsprays and shared toiletries.
I've done the modern twist french polish as we're having lunch with A&U tomorrow. Must check the weather and find a nice outfit to wear!Mortgage started 2020, aiming to clear 31/12/2029.1 -
Sounds like a lovely day at 2nd home.Enjoy lunch out with A&U0% 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/p12 -
That was sweet of Tombo to give you the money to treat yourself. I hope lunch today was enjoyable.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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252
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