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Midlife Musings and Measurable Goals
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You seem to be coping with the accident very well. Fantastic you got such support from witnesses. Hope she pays up quickly. Definitely soothe any aches and pains. Very proud of you for just carrying on and doing what needed to be done.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 -
I'm glad you're ok, but do take it easy for a day or so. The witnesses sound sweet to have stepped up like that too.
If she drags her feet paying, get quotes and give her a final chance to deal with it, then you sort out the repairs and bill her; I can talk you through it if need be.
Well done negotiating the storage and doing more towards moving.
Mortgage started 2020, aiming to clear 31/12/2029.7 -
I feel a case of strategic whiplash coming on.
It's the thing I hate most is that there is no consequence for trying to get away with it and lying. I would be saying, (but then I am in a grumpy mood at the moment), that had she apologised and offered to pay then fair enough - these things happen. But to cause a crash (and I'm so glad you are OK) and then deny it means I would be looking to pay something back, whether that was reporting to insurance, or making sure that you got your bike fully fixed (and serviced) at her expense.
I know you have other Frogs and FEBs to deal with but do just make sure you are a 100% OK before you let her get away with itI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
Sorry to hear about the bike accident DIA, and very glad you are ok.Just to point out re the driver though, when I started driving I was advised not to apologise or admit to fault in an accident, even if I felt or believed it was my fault, as it changes the insurance process. I think now the insurers are more open to the idea that people will automatically apologise even when things aren't their fault, so it may have changed, but I have been in a situation of having to say 'I'm certainly sorry that this has happened and I will do everything I can to ensure it's investigated and put right, but I have been told I must not comment on whose fault it was before speaking to my insurer'. Whether that's the case with your driver may be visible from her attitude, which doesn't sound quite like this was the problem!Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc7 -
@doingitanyway you are so brave! Yes ice, bubble baths and a few treats are just the job. Agree re guardian angels but you do deserve them! So glad this didn't happen in your new place as that would have cast quite a shadow. Take care of yourself love Humdinger xx6
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Sorry to read this.
Glad that you are ok.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.7 -
Thanks @another_casualty I took your advice with the bath salts
Thanks @moneyonmymindsam for your lovely postIf 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 -
Thanks @savingholmes I did cope with the accident well but I felt shaky and unsettled until this morning and did not do any packing last night after all.
Thanks @RosaBernicia and @beanielou.
Thanks @MovingForwards for offering practical support and kind words.
Thanks @mark55man You are not being grumpy. I agree. It was her attitude and shouting at me when I was shaky and vulnerable that affected me the most. But, she did not get away with it. (See next post)
Thanks @Humdinger1 You are right about treats. Doing them today now I am a bit more balancedIf 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 -
A successful morning.
After the accident and the witnesses came forward the woman who knocked me over and ruined my bike agreed to buy me a new bike if I didn't go through her insurance. I said I would give her 24 hours before reporting her. I have an expensive British old fashioned type of bike so I sent her the link to the site so she could see how much a new bike would be. This morning I went to her house and she paid for a new bike, in cash, in full. I paid the money into the bank.
The problem is there is a 4-6 month wait for a new bike and I am very reliant on the bike so I spoke to my bike shop. There is a possibility that the bike can be repaired. There will still be a wait. Anyway, If so, it will cost 1/3 of the price of a new bike. I will pursue this but if it doesn't work out I have the funds to buy a new one.
Lots of walking for me for a while but considering the situation a good outcome.
Today I need to get all the bulky waste out the front for the clearance guys to remove.
Shelves down and tied up ready to take will be done and at least one new box
Plants are still not sorted so will do that too.
Soup again. It was chicken, veg and some brown rice noodles yesterday. The veg box came so that's nice.
Chicken stock on.
Washing on.
That will probably be my lot activity-wise for today
Wishing you all some sunshine.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 -
Oh dear about the accident but at least you have the money from the driver to replace the bike. I know what you mean about relying on it especially as you don't have a car. I did a 28 mile bike ride yesterday with a friend and had a puncture 2 miles from the end so had to do the same as you and wheel it back holding back wheel off the ground to avoid damaging the tyre further. Luckily my friend has a bike rack so she cycled back to get the car. Lots of hedge cutting round here so a thorn has got in the tyre but now fixed. I do hope they can repair yours as 4-6 months is a long time to wait. Is there another alternative manufacturer? Nice to know we still make bikes though. Ours were researched and designed in US but made in Taiwan unfortunately although they are well made and good quality.
Well done on sorting out storage. You are doing well. Not long now.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
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