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Midlife Musings and Measurable Goals
Comments
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Good to see you back online at the moment .Horses for courses when it comes to broadband / phones etc 🐴
The only thing I could say here, is my own experience .Since moving , I chose Vodafone for both broadband and phone . Depending on usage it varies, but I pay around £38 pm. This includes picture sending and one competition I recently entered on a monthly basis ( so it could be a little cheaper ) . With Vodafone they already knew how many GB I was using etc and asked what I use phone for generally ( I e watching you tube or similar ) .I would imagine that the other providers ask you the same questions and then help you decide .
What may be an idea, is to find out what broadband is used in the place you move into
Then again , you may want to keep phone and broadband with different providers
I'll leave it there ..📱5 -
Good to see you online
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Good news on the weight loss.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.6 -
I'm on giff gaff. They suit me down to the ground. No contract and you can switch the plan each month depending on what levels of data you'll need."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6
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Voxi and Plusnet ? Get via cashback site if possibleAchieve 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 29/7/255 -
Ooop sorry folks, lights are down.
Thinking of my electricity bill (very MSE).5 -
Thanks you @savingholmes and @Mrs_Boo_Boo
Thank you @MovingForwards and @another_casualty You have both made me think about services going forward re BB. Your comments were helpful.
I will go g1ffgaff as @Jwil and @mark55man mention and stick to monthly until I am more settled and know who the BB provider will be in the new area.
Thank you @beanielou I'm really pleased about the steady weight loss
Today was an active day.
Bike fixed and back home!
Walked and cycled
Catch up with a friend
Healthy eating
Ate a frog by speaking to a neighbour and asking for a contact re the gas boiler.
Called and made appointment for the gas service
House news
More queries answered for solicitors
Decided not to disconnect cooker. Instead I will be leaving all appliances in situ.
Telephoned a storage company.
Hope everyone out there is okay
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 -
All sounding very positive and moving in the right direction 🤗Mortgage started 2020, aiming to clear 31/12/2029.5
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I'm on giff gaff too and never have any issues and change the budget each month as I need.
Well done on the declutter - think of decluttering your clothes as elevating your style 😁👍
Sam xGrocery challenge Feb £107/£100-epic fail due to cake and biscuits
🌟6 -
I have a monthly rolling SIM only contract with Plusnet and am in the process of ditching it for a Lebara one, which was the best deal for me on the MSE comparison and should be £3.99 to begin with instead of £9. Unlimited calls and texts, 8 GB data which is actually waaaayy more than I need now I'm not going anywhere to use it as a satnav.Do check which network they actually work with though - eg Lebara use Vodafone which I have been ok with elsewhere, Plusnet I think use O2 and the reception was so bad at the old house I had nothing to lose by changing.I wouldn't buy on contract again unless it was a truly awesome deal as I don't like being tied into long term deals and they all seem to be 24 months now (quite apart from it being cheaper overall to buy SIM free even if on a 0% CC).
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc7 -
Glad things are coming togetherAchieve 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
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