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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 31 March 2021 at 4:01PM
    I am pleased to announce, especially to @t2rry who has been rooting for me - that the padlock is open.  well before I got to the 9000s.  So when the gyms open, I will be using it to lock my kit up!!  That's £5 saved on a new one, and only took me 5 hours or so - so brute force methods do sometimes work, and was quite zen  
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Legs21
    Legs21 Posts: 251 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Me too! I’m waiting to hear what the number combination was. I’m betting it’s 9998 😆
    MFW 2022 #71  £4400/£4400
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    done my payday doings, and its one of those months were all the numbers just jumble up and won't untangle - so although I'm starting April, almost exactly as expected, the final balance between pension, credit card, kids and savings was a bit more varied  than planned ... a LOT of stuff has come and gone through the accounts on the way to do its job elsewhere.  I think I'll just leave it there and try to do better this month
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Legs21
    Legs21 Posts: 251 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    If only you’d started from 9999 and worked your way backwards.....
    MFW 2022 #71  £4400/£4400
  • Sarahwithlove
    Sarahwithlove Posts: 3,344 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    If you put the code in and pull the padlock right up you should be able to reset the number. Might be worth doing to something you're more likely to remember 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Catching up and forget the budgeting stuff, the carrier bag and padlock antics made me LOL
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • mark55man
    mark55man Posts: 8,209 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 2 April 2021 at 10:17PM
    Lovely day today - sat outside in the garden with DD1 who came to visit from about an hour away

    Caught up on christmas and her birthday, and a lot of gossip,  it was quite chilly out but we have a fire-pit thing and some clean(ish) logs to burn so still smell smoky but was worth it 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had time with your DD
    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 29/7/25
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