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Midlife Musings and Measurable Goals
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Finding two good items of clothing would be a definite win for meMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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Thank you - @savingholmes that has really struck a cord with me this morning - I am going to write it out and put it somewhere prominentsavingholmes said:Frustrating re the handyman. Hope you find other solutions. I regularly plot out my long term goals - and some of the steps I need to get there. I then cross them off (and often add others) as I achieve them. I have a sticker I made for my front door which asks, 'Will my future self thank me for this decision?'As a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away4 -
Hope your quote goes well.I think writing down goals as you are doing really helps to stay focused, and I hope you achieve your dreams...As a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away4 -
Seasidegal58 said:Shame about the handyman but let's hope the bathroom fitter pans out tomorrow.Your plans are sounding good.beanielou said:Hope the quote goes well.another_casualty said:Fingers crossed with the bathroom 🤞
Thanks everyone. The quote went ahead. Should know more by the weekendsavingholmes said:Hope the quote comes through. Have a lovely evening.
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) 25/0720255 -
It is for me too. It takes a while to get it right. Got it wrong today as I ordered a face mask with a Liberty print. I was expecting vintage cotton fabric as it was £10, but it is synthetic and not well madein_need_of_direction said:Finding two good items of clothing would be a definite win for me
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 -
What a lovely post. Thank you BubblesmumBubblesmum said:Hope your quote goes well.I think writing down goals as you are doing really helps to stay focused, and I hope you achieve your dreams... 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) 25/0720255 -
Started the day with cleaning and doing some washing. Up early.
The bathroom guy has come and gone. I can expect a quote next week. I like him. We shall see re price.
Going back to my long term goals really helped me. My overall goal is to move. I must keep this in mind.
Three houses have sold on my street this year so no problem with the area
It made me realise I don’t need a new bathroom. But I do need to be comfortable before I sell and I deserve a decent bathroom. I also need to have a bathroom that doesn’t put buyers off even if they do change it they probably won’t want to have to do so immediately.
I approached this quote with this in mind.
I am not going with a new bath and sink, but instead a new solid bath panel, new taps, a shower, new tiling, flooring and an extractor fan. This will greatly reduce the cost and I can use the savings elsewhere in the house.
Work goal : 20 things applied for to support my creative process.
Form posted for referee
House goal: 20 new home improvements (1-2 a month)
Text to possible plasterer
Bathroom quoted for
I need to get some creative work done today so off to make a late breakfast/brunch then get on with it
Wishing you all a good day
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) 25/0720255 -
Sounding good DIA , and you are focused as always 😼
I was potless, when I sold my flat . Then the B word happened ..Still got there in the end
The only thing I would advise when paying for the bathroom , is to pay a bit at a time and as soon as the bathroom guy needs more money then pay him as and when .
What I liked about James was he emailed me a quote ,and also various designs that I wanted and it was straightforward . When he needed funds, I went down to my bank and transferred funds as and when .One of the guys I saw built Rome in a day , and wanted 50% up front .I'll leave it there ..4 -
Hate being ripped off.doingitanyway said:
It is for me too. It takes a while to get it right. Got it wrong today as I ordered a face mask with a Liberty print. I was expecting vintage cotton fabric as it was £10, but it is synthetic and not well madein_need_of_direction said:Finding two good items of clothing would be a definite win for me
Mad on your behalf 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.5 -
Sounds a sensible way forward on the bathroom. We replaced the floor for one that was memorable (vinyl on plywood) so it would stand out on estate agents photos. We swapped a radiator for a towel radiator which looks nice but doesn't give off a load of heat but a buyer probably wouldn't know that. Ideally we would replace the sink for one with an inbuilt cupboard but think that is all I would do in practice...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 29/7/255
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