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Moving forward and upwards

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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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    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! :D '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 = £41.64
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 6/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • 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/p1
  • 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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI MF - does that mean you got most of your deposit back? Hope you are feeling better today
    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 6/7/25
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