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A Year in the Life of...

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  • beanielou
    beanielou Posts: 95,400 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    & how lovely to just be able to open the doors into the garden  :grin:
    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.
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So pleased for you that you will soon be out of there!
    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
    Thanks @beanielou and @savingholmes  The countdown is most definitely on.  6 sleeps as my niece would say, although it may only be 5 if I can't get to sleep tonight.

    Insomnia hitting tonight.  I'm hoping if I empty my brain a bit here I might sleep after that.

    I cancelled VM broadband today.  I have sent over a copy of my insurance schedule for the new house and should find out in three days if they are waiving the disconnection fee.  They should be, according to their t&cs.

    I have to call and cancel the insurance for this place tomorrow.

    I have reserved a TGTG bag from Mr M's to collect tomorrow.  I've never had one before so I'm looking forward to seeing what's in it.  I'm new to the app, saw @savingholmes mention it and thought I'd give it a try.  I'm meeting a friend for a catch up after work so I'll collect it on my way home.

    Packed another box tonight.

    LMG has uplifted all her deposit funds from various places so they're ready to send to the solicitor in the next few days.

    I have made a list of things I need to do/collect on Saturday.

    I need to drop off a set of keys to the sols on Monday.

    One more day of work before the big move and it's going to be a busy one.  Suppose I better try again to sleep.
    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
    Productive morning.

    I've cancelled my insurance for this place.

    I've requested and paid for the mail redirection for a year.  Just in time as the earliest they can do it from is 13th.

    When I was sorting out the council tax on this place I found an old CT account from 2000 which had a balance of just over £30.  I emailed them to request a refund and they replied today saying that's fine but I need the permission of the other person named on it.  I lived with a friend at the time, we rented it from her mum, so I have messaged her for her bank details.  Hopefully she'll get back to me soon and we'll get about £15 each.

    I've also managed to be very productive at my day job!

    LMG made me a bacon roll at the back of 11am so I'm not hungry right now.  I'll be starving by 5pm for my Chinese with my friend.
    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
    Chinese sounds ace. I fancied one tonight but have eaten too much today already.

    Great news on the CT find. It's better in your pocket.

    Hope the TGTG bag is good. I find if you go to the store around 6pm you can usually get even better bargains - the bag though does mean you are not stood elbow to elbow with everyone else after a bargain.
    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
  • beanielou
    beanielou Posts: 95,400 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also wanted a chinese tonight but they are so expensive now  :(
    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.
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Also wanted a chinese tonight but they are so expensive now  :(
    Because of SW I have started just having the main meal bit with jacket spud - and dividing it into two meals. So chicken and black bean for me - £6 so £3 a portion. Just a thought.
    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
  • beanielou
    beanielou Posts: 95,400 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    Also wanted a chinese tonight but they are so expensive now  :(
    Because of SW I have started just having the main meal bit with jacket spud - and dividing it into two meals. So chicken and black bean for me - £6 so £3 a portion. Just a thought.
    Good idea  :)
    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:
    Also wanted a chinese tonight but they are so expensive now  :(
    It was a dear evening but I've not spent anything this week other than for groceries so came under budget for a week's "entertainment".  Also I had such a great night with my friend and learned loads of inspiring things about her which also inspired me to encourage LMG to do stuff.

    Nearly killed myself getting home with this for £3.09



    Might wait until after we have moved before getting the next TGTG bag
    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
    Interesting haul. You reminded me of TGTG and I got a veggie carvery the other day again and split it across 2 meals. £2.29. Can't complain.
    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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