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Glad the garden is going well. Hair and beauty treatments too - all can help with self esteem and confidence. I'm at the hairdresser on Saturday. The bedding spend sounds well deserved and needed. I'm sure they will brighten your day / night for some time to come.Achieve 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 6/7/252 -
Thanks Ren and SH.
SH - You will be fine at the hairdresser's, but if you don't feel comfortable produce a mask for him!
Ren - You are doing really well and have come so far in a short space of time.
I've finished thrashing myself with cold, wet fish. It's done and I won't undo it. Partly because I never want to go to Dun31m again as it's too expensive. I had read the delivery reviews, which were shocking, that's why we went to the shop.
Anyhow, tonight I've done another load of washing and hung it, scrubbed a carpet, moved a tomato from a growbag into a tub, watered the garden, had a long shower, are my toast, fruit and yoghurt.
-- two apple seeds have sprouted! The ones from shop apples 🤗
Dug out some 'smalls' so OH can sew the wires back in; was going to buy some new ones but it's a shame to bin about 6 where the only fault is the wire jabbed through.
Moved 45p to savings.
Now OH has just got home, going to watch some TV 🤗Mortgage started 2020, aiming to clear 31/12/2029.5 -
Hey Babs
Any more whacking ourselves with wet fish and the shops will run out of them!
I have to say I have joined the wall of shame and spent (Again!) in an effort to cheer myself up (Again!)
I bought sheets because I am currently rotating between 2 sets and worry I will wear them out too quickly with all the washing... that wouldn't be so bad if a bunch of cleaning supplies that I wanted needed, didn't leap into the basket, along with a replacement shower curtain (old one, despite washing, was showing 'rust stain' where the weights at the bottom, well, rusted...), and somehow one of those insect door nets fell in there too....
And somehow, before you can say what the heck, there was £80 gone, never to be seen again..... Doh!
I blame W*lco's for being too bargainous and too tempting and yes, I am banning myself from there too (again.....)
At this rate I will be heading in to overdraft territory, and flogging a spare kidney....
At least you have accomplished a lot, and actually saved something...
It will be interesting to hear what grows from pips, I have read up that a lot of fruit trees are grafted onto rootstock to keep them smaller in height for small gardens, or, to keep them 'true' to type i.e. you don't know what you get from seeds as they might be pollinated by anything, so you might end up 'inventing' a terrific fruiting wonder.... !"...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
"Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'
Dog's 'Pot o' Gold' = £23.85
Household maintenance = 0
Prolific Academic = £41.642 -
Hey Ren can you take any of it back for a refund to stop you going into your overdraft? Just tell them you’ve changed your mind? I’ve done that before when I realised I didn’t “need” what I bought.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 -
Skint_yet_Again said:Hey Ren can you take any of it back for a refund to stop you going into your overdraft? Just tell them you’ve changed your mind? I’ve done that before when I realised I didn’t “need” what I bought.
Apologies if I am hi-jacking your thread Babs, shouldn't have been so long-winded....!
Erm, I could do that, except I have already installed the insect door net & thrown the bits/box out, hung up the new and binned the old shower curtain, and put all the cleaning stuff away. Ah-hem.... Too excited to get new stuff, like a kid at Xmas (oops, should NOT say that word yet)... There's only the sheet set, and they were on a sale, a SALE, and I love them....
I am not panicking yet, as I still have the 'buffer' from refunds, etc. Ask me in 3 weeks....Just being too flippant as an antidote to all my anxiety, I should, in theory, be ok as long as I KEEP AWAY FROM ALL SHOPS apart from food shop until I get paid..... Cough.... And stick to £25 grocery budget.... And keep away from other shops.... And stick to a list... and keep away from all other shops... And slap myself with a wet dog towel.... And keep a million miles away from other shops.... Gah!
When I tell my brain to avoid a certain charity shop, my brain isn't thinking 'Oh, that mean's all other shops'.... Doh!
This transition to being a saver is harder than I thought."...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
"Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'
Dog's 'Pot o' Gold' = £23.85
Household maintenance = 0
Prolific Academic = £41.644 -
Great suggestion Skinty 🤗
Hey Ren, I think there's been something in the air which forced things to jump into the baskets! You can't realistically just have 2 sets and 4 does seem better. Logically we should just buy a few things each time we get paid, but we never do. I'm banning you from other shops until you get paid again!
I'm aware of the grafts, sat thinking about the potential mutant apples that might grow in 10 years and them being the size of a watermelon 😂
Must plant my celery this week, see how it takes in compost.
Been grounded for the last 2 days due the weather, OH has been watering the greenhouse plants. It's just gone really foggy outside 😯
Tea is lamb stew with herbs and beetroot from the garden. Pudding is chocolate buttons.
Moved £1.22 to savings today.
£43 in the bank, 23 days until payday.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Tea sounds yum 😋 are you cooking the beets in the stew or separate?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 -
Skinty, I'm rarely allowed* to cook in the evenings!
At best I'm allowed in the kitchen to make toast or boil noodles, occasionally I'm allowed to put the oven on for when OH comes home and cooks 😁
Although, now we are in this flat, I am doing more
OH roasted them, the stew was done in a cast iron crock pot in the oven. When everything was done he served and placed the beetroot in the stew.
You would not believe how much beetroot juice came out when I cut one in half, my stew juice turned pink, then red as I quartered it.
*OH came pre-trained, which was good.
I am doing more in this flat now when he is at work, I cook if he is on a mid-shift and between us everything gets done. He just worries that I will overdo things, hurt even more than I do and I worry about him doing everything, hurting himself and being resentful; we have the same conversation every few months 😉
Mortgage started 2020, aiming to clear 31/12/2029.4 -
It’s lovely to have someone else cook for you 👨🍳 and care so much about you. 🥰 I tried roasted beetroot with a Sunday lunch. I am not a fan. However I love beetroot when it’s just been freshly cooked and cooled down to room temperature. Yum 😋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/p14 -
It was very strange having OH do everything around the home as it was a complete contrast to what my previous marriage was with me running around doing everything while holding down a FT demanding job. At one point I even had a PT job too with OT, but still had to run the house etc. How I managed it is anyone's guess, especially with my health too.
My life now is so different to how it was previously. I laugh, I smile, I'm supported and encouraged, unrecognisable from the old me.
I was used to having it pickled as a kid, only available Christmas day to new year. Having it fresh from the shop since starting over was a real treat, having it out the garden was unreal.
Mortgage started 2020, aiming to clear 31/12/2029.4
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