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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
    beanielou said:
    Great EF.
    More than mine!!
    Have a happy weekend  :)  xx
    Thank you, you too 🙂xx
    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
    I've been a bit spendy this month so far and I need to stop now.  We're more than half way through the food budget and there's not a lot left in my allowance.

    I didn't buy underwear, I bought two sun loungers instead 😆 I really wanted them last year but couldn't afford them.  I can manage without new undergarments for another month or so, probably a lot longer as I'm lazy and comfortable.  Love the loungers and got them for a decent price.

    I bought jammies and a couple of toys for my niece.  That was a bit of an expensive day.

    I am in the process of changing energy suppliers as the last bill came in at £70.39 with readings that I provided.  We live in a 2 bedroom flat.  There was no heating on at any point during the month.  We go to bed when it's still light outside so no lights on.  I use the computer all day, we use the tv in the evening, gas hob and usual white goods.  I've never had a bill that high in summer months before.  The tariff is cheaper for both fuel and standing charge than the old supplier.  So, first dd with new supplier was £75.  I want to stay on top of it.  I'll get some money back from the old supplier once the switch is complete so not all bad.

    LMG has been working a lot of evenings and only home for tea two nights a week at the moment so goodness only knows what I've spent the grocery budget on.  Anyway, it's fine, we have enough money.

    I'm trying not to wish the months away to paydays and I've felt much more relaxed this month, so far.  Probably where the spending hiccup has come from.  I was thinking about payday all the time and it was consuming me.  I'm just trying to take each day as it comes.
    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
    edited 14 June 2021 at 9:31PM
    beanielou said:
    Happy new jammies  :)
    beanielou said:
    & sun loungers  :)
    🤣 thank you 

    the jammies were actually for my niece too.
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sun loungers are well worth 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 29/7/25
  • Definitely agree on sun loungers!
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
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