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Midlife Musings and Measurable Goals
Comments
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I dont blame you for the mask and gloves DIA. Although I don't think I could cope with a mask, but I'd wear the gloves. Glad you had a good long cycle ride
. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS5 -
It's true the mask is awful and I hate it. I only put it on when I go into a shop. On the street I just keep a safe distance and enjoy the fresh air, especially with this lovely sunshineHairyHandofDartmoor said:I dont blame you for the mask and gloves DIA. Although I don't think I could cope with a mask, but I'd wear the gloves. Glad you had a good long cycle ride. 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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
I feel like I'm suffocating when I wear a mask, although I really might suffocate if I caught the virus 😱. Anyway I'm sure you're fine in the fresh air if you keep your distance as that would dilute the viral overload.doingitanyway said:
It's true the mask is awful and I hate it. I only put it on when I go into a shop. On the street I just keep a safe distance and enjoy the fresh air, especially with this lovely sunshineHairyHandofDartmoor said:I dont blame you for the mask and gloves DIA. Although I don't think I could cope with a mask, but I'd wear the gloves. Glad you had a good long cycle ride.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS5 -
For any theatre people, the NFT are live streaming every Thursday at 7pm from next week . You can see 4 Guvunors with James Corden for free, followed by Jane Eyre the following week.
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
It's good to take precautions. It's nice for us intoverts to be encouraged to stay at home and socially distance - just a shame the rest of the family is here doing the same thing at the same time LOL.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/264 -
Good to hear you got out on the bicycle . Have you still got your car ? Or did I miss you getting rid of it ?Life is an adventure, never stop exploring.5
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Well observed SSG2, as I have been ignoring that frog but although it is no longer driven it is there in the driveway. I'll need to get rid when this is (sort of) over. Funnily enough I think I am a much better cyclist after a stint of driving. I can anticipate what drivers might be thinking and I feel a bit safer on my bike.Sunshine_girl2 said:Good to hear you got out on the bicycle . Have you still got your car ? Or did I miss you getting rid of it ?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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Still missing coffee but no headache today.
No new goals for me just existing ones outstanding like the wallpaper stripping and the garden. These are quite enough!
My new rule to stay structured and sane will be no TV until 9pm.
I'm trialling meditation today, just a six minutes once in the morning and also at night.
I have a few froggy finance calls to make.
I'm looking forward to cycling and going for a walk.
I look a fright without the aid of my beauty college so I will be looking at what products I have to see if I can have an 'at home' beauty session today.
Have a good day 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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
I'm not looking forward to no- hair appointment either. We don't have those kind of products at home - and having watched DD using them and ending up with bands in her hair I'm not keen on them either. She could possibly apply on me at a push though. My dilemma - do I support my hairdresser anyway with a donation during this period - or not. As a business owner not sure how he will get through this period....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/265 -
My hair will be dire.Mine is a Bob & needs cut regularly.
Was due to be done next week.Hey ho.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5
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