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Moving forward and upwards
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Rome was not built in a day. 15% is 15% closer than you would be at 0. Step by step you will get there.1
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Thank you Skinty and SH
Welcome DSP I hope you enjoy reading my adventures as a lot has changed over the years this diary has been running!
I'm continuing the MC, upped to OTT MC whenever NAB3 sends me things, copying evidence of where NAB3 has done what I'm told not to; also supporting colleagues subjected to the same treatment.
I put in a pay rise request. Not been greedy as still waiting for the annual rise negotiations to be resolved. I expect my request to be rejected and held back a snippet of info to include when asking they reconsider 😉
Hopefully I can pop to 2nd home today, water the greenhouse plants and do a general check of the plot. I've got a winter / waterproof jacket.
My art deco glassware, jewellery, lamp and other bits have arrived, just waiting on a few more items.
I'll have a potter / tidy up later, get things organised and in place, maybe watch a film and doze. I'll slot in a pamper this weekend as the weather isn't great.
Have to decide what I'm having from the Chinese later 😁
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Good luck with the pay rise 🤞 you deserve it!Hope you have a lovely weekend0% 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 -
Thanks Skinty
TomBo sent me back to bed, twice, on Friday and I totally forgot I had a lash apt managed to get booked back in for yesterday. My next apt is 3 weeks time and I'm having my hair trimmed too.
We visited A&U, other family were down too and had a good catch up, took furball to the park and played ball.
Went to 2nd home this morning, came home and had a coffee before planting a lot of onions, got a bit of space left for more but want to sow some at 2nd home too. Popped through Narnia and helped S with the garden, had another bonfire, good chinwag and gave S some more bits to grow. Lovely shower afterwards and we went to a p3r1 p3r1 takeaway.
Had my feet up ever since, watching a few films with moisturising foot sock things on 🤭Mortgage started 2020, aiming to clear 31/12/2029.1 -
Sounds like a lovely and productive weekend. You must have needed the rest on Friday. Pleased that you managed to rearrange your lash apt0% 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 -
Thanks Skinty
We're so short staffed and just had another go off, which will further add to our pressure and workload. I'm using my petrol costs as mortgage O/Ps, it's an extra £50 - £100pm (potentially); when it hits my account I immediately pay it over.
I need to calculate how much extra I can O/P this statement year, deduct what I've already O/Pd and see if I can reach that over the next 4ish months. It's time to really prioritise clearing the mortgage as I'm comfortable with the amount of savings we have.
Got hair cut and lashes next time, both are relaxing.
Been chatting with my 'tog and we're planning a meal for December, date confirmed need location.
We had our Chinese night yesterday due to a very late finish. TomBo has had most of this week off. It's been raining pretty much every day so I doubt any gardening will be done, but I hope it stops long enough for a quick session.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Enjoy your weekend. Will be lovely for you to see mortgage droppingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
£50 to £100 each month will really make a differencce. i do get a thrill each time i make a OP. i tell my DH but he doesnt see it the same, shame really!!
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐1 -
Great that you kept in contact with your tog. Enjoy your meal out. Hope the weather brightens up for you over the weekend0% 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/p11 -
Thanks SH, FP and Skinty
I've been seeing the mortgage dropping just with the £200 extra.
Thought I said before we're mates, have each other as rant buddies and support, decided to do our own Xmas lunch rather than attend the team one 🤭
We did some gardening, TomBo had a second session while I had a nap.
I'm currently organising a change of hair colour, I've paid (£145) and will sort a date / time tomorrow. Monthly regrowth colour, cut and blow is £50.Mortgage started 2020, aiming to clear 31/12/2029.1
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