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2020++ - smiling and waving and looking so fine
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They are still in very good nick DIA - the salesman did a great job - honest/helpful and I'm still happy with them - I may look for another pair when I next head in that direction, but maybe not as even 5k steps a day is not that much reallyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
I love the clearance stores. There's one near us and we can get them for like 50-70% off. DD loves it.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 29/7/254 -
My fave running shoes are Nike - sadly a discontinued model but I'll definitely look at their shoes again when I need to replace (which as Strava keeps telling me how many 100's of miles I've covered in them, I probably do, actually!). My original pair of that model came from an outlet store, and the current pair were tracked down on eBay unworn when I realised they weren't in the shops any more. They're "minimalist" enough to let me wear them in the gym too which is useful.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Another busy week - big deadline coming up just before Easter then will have a few days off. Was away overnight on Thursday which was fine, except I forgot to charge my fitbit on Weds so that's the best part of 2 days steps lost. It was OK though I took the lift everywhere as it didn't matter and saved a load of effort - that work office is on the 7th floor!!.
Plus, while I'm moaning, which fashionable hotel trend setter foodie thought it was a good idea to serve garlic mushrooms for breakfast - true, I didn't HAVE to eat all of them, but I hate waste!! nobody made a comment at work, but my free breakfast did cost me a pack of trebor extra strong mintsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Lol at garlic mushrooms.
Good luck with the trainer's.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 29/7/252 -
I love a garlic mushroom as much as the next girl, but not sure I'd fancy them at breakfast time!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
well another week done - deadline mostly achieved, just some undemanding tidy up activities to go - then hopefully more leisurely month after that including a few days in the North with relatives - how stressful can that be
just doing my budgets and tracking will be back with some reports, although don't hold your breath for anything exciting. building work nearly finished, except more ideas keep springing up - but the budget can't really cope with themI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
That was sobering, significantly overspent in most discretionary categories - when I'm super busy at work, I tend to forget about making lunches and do more coffees. I do get some expenses for super long days but most are out of my pocket. It will be easier in summer as I can fit in a walk to the shops and be a bit more frugal and also drinking cold water is more acceptable
Car costs were almost £250 more expensive than last month, although as I explained above I will probably get most of that back down the line. Sometimes even experienced MSE's have a bad month and not just because of bad luck.
In other news I am now a MSE Ambassador - so the (virtual) Ferrero Rocher are on me! - not done the training yet but I'm hoping to pay something back and also a slight extra reason to read the boards that keep me on the straight and narrowI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Well done on becoming an Ambassador. Sorry the spends went off track. I agree we all slip sometimes.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 29/7/253 -
Ahh good - that confirms I was correct about the Ferrero Rocher gag then!
As for the overspending - the difference between now and pre-LBM is that now you KNOW there was an overspend - and will be more mindful of it this month, where as before it would just have been absorbed into an overdraft, no?🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3
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