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Midlife Musings and Measurable Goals
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I cleaned my bedroom of dustballs under the bed that made me cough in the night!
More clothes decluttered. One of the dresses still had the label on…Nice thing is I found a pyjama top in the ‘too small now’ pile and it fits now
I was a bit spendy yesterday but it was all necessaries so not going to beat myself up...
I spoke to a friend yesterday. It’s funny, this is a friend who goes into hyper details about things sometimes. I know this and I am usually patient but I am not patient right now and it felt painful. I cut the call short and then felt guilty…I sent a text after to say I am sorry and my sleep is poor at the minute so not very sociable. She sent back kisses so I think I am forgiven. I think we have to be forgiving of each other in these strange times maybe
Still a bit low but I got up and got busy. Easy to do as the house is a tip. So:
dishes X3 (I know)
daily soup made
stock made
chicken and veg curry made
washing done and out drying
salad made
washed hair
Happy Saturday everyone
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 -
Nor do I DIA, I've a couple of lamps which light up a warming orange.
Take each day as it comes and eat your chocolate 😉Mortgage started 2020, aiming to clear 31/12/2029.6 -
HahaMovingForwards said:Take each day as it comes and eat your chocolate 😉 Will do. 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) 25/0720256 -
Sorry you are still struggling. It's not easy - preparing for so much change - while control is out of your hands.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 29/7/257 -
Keep plodding 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.8 -
Thanks Beanie. I was posting on your diary at the same time as you were on mine.beanielou said:Keep ploddingIf 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 mindsdoingitanyway said:
Thanks Beanie. I was posting on your diary at the same time as you were on mine.beanielou said:Keep plodding 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 -
Snow! Snow!
My walk with a friend is not going ahead but I hope to crunch through the snow tomorrow as I have a parcel to return to the PO. I will be careful as any accidents will have to be dealt with by the overwhelmed NHS!
Obviously a cold day so staying tucked up in my bedroom.
I made a rare failure in the soup maker. Looked like brown sludge and tasted muddy, but I ate one bowlful as it was hot. Roasted veggies and chicken tray bake prepped. Looks pretty (purple cauliflower, orange pumpkin, red pepper, red onion and courgette)
I have had a NSD weekend
I should really wait to order in boxes for packing until I exchange contracts, but I will probably do this tomorrow. I have designated a room to hold all the stuff to move. Yesterday I got to grips with bags and shoes.
My mood is on the up and sleep is back to normal (thank goodness) I am still planning on buying the sunlight alarm next month. I'd buy it now but don't have enough left in January's budget. Whoops.
I hope everyone is safe and warm.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 -
Glad you are feeling betterAchieve 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 you are feeling better DIA 😼
Dont forget that you are doing so much ontop of normal circumstances as , buying and selling your home is beyond stressful at times .In a few weeks , the mornings will be getting brighter, but that sunlight lamp will become useful in the future if not immediate .You're still doing very well ..5
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