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A Year in the Life of...

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  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It’s horrible, I totally agree! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sad you won’t be updating more often, but totally understand why - I’d definitely struggle if I only had my phone, I mostly access the site through my tablet now.

    One tiny thing that might help - I have the bookmarks link bookmarked in the browser on my phone so I can get to it easily, it’s the quickest way for me to find my diary as well as those I follow https://forums.moneysavingexpert.com/discussions/bookmarked 
    Yes, thank you for the link, it is very helpful.  It works on my phone so it is much easier to find everyone.  I might perk up a bit and try again :)

    I've just been trying to get through life over the past week or so.  I'm feeling a bit deflated at the moment so that's probably why I don't have much patience when things go wrong.  I've been keeping up with all my financial stuff (all that's left of my resolutions really) so it's not all bad.

    Month End Review (financials only as I'm short of time):

    £50 challenge (£150 for Feb & Mar due to non council tax payment months) = £160.27.  I hit the final target because I had £21 left in my February grocery budget!!  Very pleased with that.
    -£50 went to overpay the loan.
    -£15 went to the Christmas account.
    -£13.84 went to the savings account.
    The rest has gone towards a seminar I have to attend in March for CPD, an unexpected credit card payment (I paid for something in October last year and it came off my statement this month.  I'm annoyed with myself for not spotting that it hadn't been on a previous statement but it completely disappeared from my credit card account, off the pending items and everything, so I'm just having to cover that.  It's not huge in the grand scheme of things, just annoying) and the £21 is still in the account as I only moved it there today since March's budget starts today.
    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
    We've missed you. You are still going strong though. We all have slip-ups. Just have to dust yourself off and get back up which is what you're doing. Make time for joy... 
    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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