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Moving forward and upwards

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  • Lovely to hear about your arms full of goodies 😁

    Agree with dia, food sounds 😋 

    You probably need to take things easy for a while. Rest while you can x
    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
  • Thank you DIA, SH and Skinty

    I've only been watering 2nd home this week as work has taken all my time and energy.  Still need to organise my wardrobe etc.

    Yesterday I had a shower lunchtime and applied my hair colour, had another shower / rinsed my hair through about 7 hours later 🤭 put the rods in my hair. Took the rods out this morning, finger combed to separate the curls this evening which gives me two totally different looks 😀 

    Not much planned for the next 4 days aside from weeding and pottering about.

    We had pan fried gnocchi with homegrown garlic, herbs and peas for tea, handmade ice cream for pudding and I nodded off afterwards, just woke up and my brain is still asleep ☺️
    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
    Sounds like you needed the rest.

    The hair do sounds nice
    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
  • Thanks SH

    I am having afternoon naps, like you say I need the rest as I've spread myself a little thin over the last year-ish. 

    Having so much fun with curly hair. Sometimes it's big curls, other times it's small ones, occasionally I manage to do corkscrew curls. 

    Thursday I tidied up bits of 2nd home and pottered about. Ordered a p-nd0r- bracelet, charm and TomBo's cake day gifts.

    Friday was more pottering about at 2nd home, some weeding and a little more tidying. Weather turned lunchtime so I did the food shopping and popped to a CS; picked up some DVDs, new socks and a couple of pairs of capri tights (³/4 length); under £10. Got my meds on the way home.

    Today it was raining and I had a potter about the village and went to the antique shop. Picked up a gorgeous side table with hidden jewellery storage section, a carved wood box and a silver bracelet; spent £58.

    I organised some of my jewellery, decided what I definitely wouldn't wear and added that to the CS bag. I still need a jewellery box for my "good stuff" eg pearls, silver bracelets and necklaces etc. 

    I also put my new smalls in my A1D1 storage unit and just need to organise my bits from Pr1mark the other week. Probably do that tomorrow.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Your antique shop buys sound fun. 

    Glad you are getting some rest.
    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
  • Wow antique buys are great value
    Naps are a great idea  :)
    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
  • Your antique store buys sound lovely and good prices. How nice to treat yourself to p-nd0r- bracelet and charm. You may find that friends/relatives will have something to focus on buying for you now for Xmas / birthday 😁 
    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
  • Thank you SH, DIA and Skinty

    It's an indulgent treat shopping at the antique shop.  There's a risk I could end up paying more, but to see, touch, try, even smell to make sure it's not musky before buying is worth the couple of extra quid.

    I've purchased a few things from 3bay, more jewellery and a couple of jewellery boxes. A necklace, pendant, two bracelets and a jewellery box arrived today.
    - One of the bracelets is too small for me to get on, although I'll try again in a few days just to be sure. I've the option of giving it to SIL or adding to other items and getting made into something I really want. 
    - This box is the one for everyday wear and I'll be putting it on my 'smalls' unit by the bed. The other, when it arrives, is for my pearls, old engagement rings and other little keepsakes and will be put on a shelf for safety. 

    I've the smaller jewellery box, two more pendants, P-nd0r- charms and a necklace with pendant to arrive.

    I don't get anything from my family and my city friends have all dwindled off since we moved. In-laws tend to give us money or vouchers for xmas, which is appreciated. As A&U gave us wedding money gift, I wanted tangible items to show and talk about. My prev loved P-nd0r- bracelet and charms haven't cost as much as one new charm would! 

    The rise negotiations have got a bit hairy, latest offer rejected without consulting members 😮 I'm rushed off my feet and it's every man for himself, no support or consideration from above, let alone the team. 

    I picked up a grapevine today. Hopefully Friday will be dry so I can go to 2nd home and do something. 

    I've definitely earned my liqueur and cream tomorrow ☺️
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Good luck at work. Hope things sort soon.

    Sounds good use of your wedding cash too. Very Money savvy too 
    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
  • You are in a happy place and that helps with work nonsense.

    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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