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Keep calm and carry on....
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Thanks Jessy 😀 I wish all the missing money had been located, but alas not quite yet!
S&S have invited me on to their food diary again, so have started that this morning. The Amazon vouchers will come in handy for something I was thinking of buying and have allowed me to "spend" another £9 releasing a couple of bits from the bag of random booze instead 😂 Down to the very odd stuff in there now.... The food diary will be even more tedious than usual as I will be eating every meal at home, so swapping it for random booze seems a good reward 😀Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
😡 So the £145 I thought I'd found in my accounts isn't all mine, as the post has just brought news that the Flybe money has been credited back, amounting to - you guessed it, £145. Rather than show it as a transaction on my online banking, the credit card company decided to just reduce the direct debit by that amount and not tell me - I wondered why it was lower than I was expecting, but I've had a couple of other refunds since the bill was generated and just assumed it was because of that. So I've had to transfer half the money to BF and I am more adrift in my accounts than I was a few hours ago! This has been the worst Saturday morning for hard maths for a long time! Lockdown and not spending any money is meant to be making my accounting easier, but not finding that so far 😂!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Oh no! Sneaky credit card company!Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!5 -
I guess I should focus on their efficiency for getting it back to me quickly....but I wanted it to be mine 😢!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
That sounds right actually - they refund the charge to your card and then take less at DD time. Amex certainly do that with us whenever we have a refund.Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.5 -
It does make sense, it was the lack of explanation that made me sulk 😦 Having to transfer half of it it back out of the mortgage account when I'd already claimed it as my money was the pits! Should have known it wouldn't be that easy!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Yeah it still doesn't explain where your missing funds have gone.Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.5 -
It's weird having reminders come up in my phone relating to my normal life, things life defrosting my lunch for the next day and setting my alarm for the morning - I'm cooking lunch fresh every day at the moment and have set a recurring alarm for the same time every weekday (never been able to do this before, as I'm not always in the same place at the same time). It feels so disconnected from right now, in the same way that the previous me from 15 or 20 years ago does. I think it will take a lot longer to get back into the usual routine than it's taken to get out of it 😯
Still, it does at least remind me that I should put some earrings in for a couple of hours soon, before the holes start to close over....Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
Yes this is a weird time in history to be going through. While being furloughed would give me time to write and do art - I think I am glad I still have the distraction of work and feel I am contributing to something. Doing my best to ignore the fact that some have barely done any work - not helped by their ICT issues and childcare.
I think an EF is in order if most of your colleagues are on furlough - suggests the company could be on rocky ground - or very clever....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 -
I suspect it is more likely Option A SH! Although in fairness to them, they really can't operate with the current restrictions in place, so most people genuinely are unable to work.
£5.10 in from Prolific
I need to go Outside today. I'm a bit apprehensive if I'm honest. I had to make an unscheduled Outside trip a couple of days ago and I was really nervous, despite only driving about 7 miles, sitting in my car for 10-15 minutes with the windows closed and then driving back again. I suppose it's better to be nervous than blasé, at least that must mean I'm taking things seriously 😦
Wish me luckMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!6
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