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Its probably just me being thick but I think I have just worked out what YT is ! (U t*b* ?) 🙄
I know what you mean about planning jobs in the house. It’s taken me 2 weeks to paint the dining area, only 3 walls (opens onto kitchen) but I do a bit one day & then have a rest day before carrying on the day after. It’s the only way I can do it myself without crippling myself with pain.I hope you have a lovely time off with OH. 😊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 -
Yes Skinty, it is UT, called it YT for so long when chatting to people and just carried it over to here.
I think careful planning is needed when there's health issues lurking.
Counting down the days until I'm off 🤗Mortgage started 2020, aiming to clear 31/12/2029.3 -
Hey Babs
You achieve so much, I forget sometimes that you are battling pain and discomfort too, take some comfort (I hope) that I think you do more than most able-bodied people I know... I think you have the right attitude for life - live it fully (PMA) that's not anything to do with pre-menstrual!'Positive mental attitude'....
"...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 -
Hope you find lots of interesting photographs to take. We took some beautiful ones of a reservoir and dam at the weekend in Wales. Good to make memories too.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 6/7/251 -
Thanks Ren, it just gets to me at times, becomes a bit depressing and I have to wait for it to pass.
SH, sounds great and you seem less frazzled. Do book another break 😊
Had loads of 70s films on the weekend.
Been ill the last few days, appears it's probably a
hemiplegic migraine. Thankfully I don't get migraines as often as I used to, but when I do they are worse and different; almost like they build up for months and pow, have something else to deal with.
I've had to ditch some pain meds so I could take others to try and sort it out. Unfortunately, my normal meds rule out taking OTC meds and I have to stop taking some prescribed ones to take others.
Was very hard today as I seemed to have 3 months of work dumped on me and needing cleared immediately 🙄
OH watered everything today as he didn't want me trying to get down the stairs. Missed tending to the garden as it does lift my spirits seeing how it's changing.
My cat has been trying to catch a flying spider over the last few hours. It's odd seeing the hunter look in her eyes.
The diet is working and she looks a bit slimmer. OH has rationed the treats he gives her and is taking it seriously this time 🤫
Bit of money moved to savings and I've started another 'pot' for the mortgage ERCs (2.5 years to early remortgage).
Mortgage started 2020, aiming to clear 31/12/2029.3 -
That migraine sounds v nasty I hope you are feeling better. No wonder you need a break from work if they dump stuff on you like that with unrealistic expectations.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 -
Thanks Skinty, it wasn't any better today and I've batted stuff on to others who should have dealt with it.
My alarm is now off, unfortunately the weather isn't going to be that nice. I'm sure OH will find us something to do.
OH has tended to the garden again today. I'm going to look at it tomorrow.
Didn't check my butcher's FB page until after he closed, missed out on some steaks and lamb. Will have to see what he posts up about tomorrow. I usually look every morning, then I can nip over lunchtime; he is just a few minutes walk even for me 😁
Occasionally I check the fishmonger as he has special offers on a Friday; OH normally pops over if he wants fish for him and cat.
I am very lucky with the shops in this village 🤗
Haven't anything planned tonight aside from feet up and TV, hopefully I can stay awake.
Chicken and veg for tea (I honestly do not know what OH is doing with it!), possibly rice pudding or yoghurt or cereal for pudding.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
Hope you have a lovely evening and can relax now you have time off. Look forward to hearing about what your OH has planned 😊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 -
So do I Skinty! Still no idea as to what the new plans are 😯
Forgot to say earlier, the former LA agreed with the deposit company, get the portion of deposit back next week.
In theory the electric refund will arrive next week too.
Then that's the last of the ties to that place 😁Mortgage started 2020, aiming to clear 31/12/2029.4 -
HI MF - does that mean you got most of your deposit back? Hope you are feeling better todayAchieve 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
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