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A Year in the Life of...

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  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the win :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou said:
    So bf went and got the other cheese for me and wouldn't take the money.  He also picked up dessert (tiramisu - more cheese 😆), garlic bread to go with the pie and some YS tiger bread.  He's pretty good (most of the time).

    beanielou said:
    Happy new wellies to you  :)
    Thank you.  They're due to arrive by Friday 😁
    LOve tiramisu  :)  & love garlic bread & tiger bread..............
    Me 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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou said:
    Good news on the win :)
    and thank you 
    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
    The grocery budget has gone out the window this month.  I have managed to test positive for covid 😢  The only covid symptom I have is a small temperature, the rest of my symptoms are cold symptoms.  LMG is negative although she has a worse cold-y/flu-y thing than me.  I have been in contact with 9 people in the last two weeks, all family (including LMG and bf) and they are all testing negative (and continuing to do so).  I'm not sure where I picked it up.  I've been in three shops and on four public buses in the same two weeks.  My hands bleed because I wash them so much.  I wear a mask.  I follow the rules and guidance, I do all the right things.  My sis says I need to stop trying to figure it out as I'll probably never know.  I'm just glad no one else has got it so far and I hope it stays like that.

    We did an online shop today to be delivered tomorrow which took us over the budget (which suggests we were already heading towards going over) but that will do us for a bit.

    I haven't been on here much so there will be a lot to catch up on when I'm feeling a bit better.  I tried in the past couple of days but I couldn't really focus properly.  I'll be back though.
    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
    I hope you get better quickly. You are not going to know where you got it. Even if others in your group test positive there is no guarantee it came via you. 

    Be kind to yourself. Rest and reset. You have the £ for groceries in your dipping pot if needed. It's a time for rests so stop beating yourself up.

    For most the current version is milder than a year ago. Hugs.
    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
  • astrocytic_kitten
    astrocytic_kitten Posts: 811 Forumite
    Part of the Furniture 500 Posts Name Dropper
    edited 18 February 2022 at 8:18PM
    Oh GAP, I’m sorry to hear that. Nothing you’ve done has caused this, it’s just super infectious. So many people I know who are careful and follow the rules are testing positive right now. 

    I hope it passes quickly, rest up as much as possible and look after yourself xx
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry to hear this.
    Stay safe & cosy  xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thank you all.  I'm just so miserable.  I do think I'm lucky that's it's mainly cold/mild flu symptoms, I've been so much worse before.  I'll fight back, I always do.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Much as trying to think “it could be worse” is often touted as a positive way to approach things, I think it’s being far more widely acknowledged now that it can often be rather more toxic positivity than it’s intended to be. I’d bundle it up with “count your blessings” and “there’s always someone worse off than you!” and show it the door, personally. Absolutely understandable that in spite of doing everything YOU could to protect yourself and your household and others outside it, you’re flipping miserable that you’ve ended up with it. The problem is, you’ve been around someone  who DIDN’T care enough about others to do all the things - and as so often is the case, you’re bearing the brunt of someone else’s actions - or inactions. Nothing you can do about that allowing that completely avoiding all social interactions is impractical.

    Take care of yourself, acknowledge it’s fine to be sad/cross/absolutely blooming RAGING about it, and get better soon. (As as others have said - the funds are there to cover what’s needed - that’s why you have those accessible funds, so all good there and well done past you for making sure present you is in such a manageable situation. ) 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well said EH
    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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