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Midlife Musings and Measurable Goals
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Thanks everyone for all the festive positivity
I made the best of the situation I was in this year and it was fine
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720259 -
Glad you are okay. What fun things have you been doing to relax / chill?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 29/7/256 -
Glad the Christmas was good DIA 🎄and hope the new year is good for you also
You're handling everything really well, including taking your foot off the pedal when you need to 🐾
Enjoy the transformation , and have a great new year 😼7 -
Thanks SH. Your post had me scurrying to find my book and I have been reading a bit more and looking at screens a bit less! I have been having a catchup phone call with a friend or a socially distanced walk daily so not doing too badlysavingholmes said:Glad you are okay. What fun things have you been doing to relax / chill?
Thanks AC!another_casualty said:Glad the Christmas was good DIA 🎄and hope the new year is good for you also
You're handling everything really well, including taking your foot off the pedal when you need to 🐾
Enjoy the transformation , and have a great new year 😼 If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720257 -
Looking at my OP it is clear IT was (is) an area of life I was seeking to improve and I definitely ate some frogs this year to forward this aim. Covid has forced me further as I was forced to move away from using cash to constantly using contactless. This led me to lose track of where I am with money and although I did not go overdrawn I wasted energy worrying I might be. So, I’m planning to download an app to help me see in real time what my financial situation is. To do this I need a smartphone. The big news is I have ordered one. It is a big outlay but it will help get me organised financially.
The new phone will also enable me to see/communicate with friends and family here and around the world and stay in better contact (especially in times of lockdown)
I put the purchase on the CC and I am determined to pay the bill in full when it comes. So, January will be VERY FRUGAL . I don’t mind. In fact I am looking forward to seeing how little I can spend. Anyone else planning a VERY FRUGAL JANUARY?
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720259 -
Also a very frugal January here too as I have just bought a new laptop!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.9 -
What kind of phone did you get ? 📲 If you got an iPhone I'd say it's a good move if you have a Mac computer, which I think you said you have .I will have to get a new sim only one myself , which may be this year . Depends on how many more software updates that happen in 2021 .I'll leave it there ..7
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Congrats Beanie and DIA on splashing the cash. Sometimes it takes as much growth to know where and when to spend our money as when not to. Happy New Year.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 29/7/258 -
Yes @another_casualty well remembered and correct on both counts I went sim free too.
I agree @savingholmes, when to spend is as important as when not to.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Great stuff DIA !doingitanyway said:Yes @another_casualty well remembered and correct on both counts I went sim free too.
I agree @savingholmes, when to spend is as important as when not to.Makes sense .😼7
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