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A Year in the Life of...

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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Boyfriend made us a curry tonight. He's pretty good at them so I really enjoyed it. We've had a lot of stuff going on separately recently so not seen each other much.  Tonight was really good quality time.

    Went to Asda for some groceries (I buy specific stuff from there that I can't get from my usual supermarket, hence the shopping card for cashback).  Spent £23.75.  I don't need anything else from there this month now so I'll only be in and use the card if I'm chumming someone else.

    There's £88 left in the cash grocery budget and £8.75 left on the Asda card.  I get paid two weeks today.  I don't have a meal plan in place for next week yet so that's a job for Sunday.  £88 is plenty for two weeks.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on going through your budget and working out where it went wrong. If it's any consolation I overspent in Jan too. Hopefully we can all have a better February.
    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
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That was a late night for you!
    Glad you got the hotel sorted.

    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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That was a late night for you!
    Glad you got the hotel sorted.

    Yes it was late.  I'm usually in bed at a reasonable time these days so I'm not sure what happened at the weekend.


    Nothing much happening at the moment.  Got flexi days off tomorrow, Friday and Monday.  Work is fine.  House is a total mess.  Health is ok.  Finances are just trundling along.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just typed a whole big post then lost it because I pressed the back button by mistake.  Not got the patience to type it all again.

    Briefly:
    Thank you @savingholmes.
    Went out for dinner, budgeted for and used £5 off voucher.
    £5.48 cashed out from surveys.
    £10.73 to find to hit the £150 target for February.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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