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Peering over the hill...

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  • Zola.
    Zola. Posts: 2,204 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 16 August 2021 at 4:36PM
    Grogged said:
    Now I'm able to get out and about made a few CS and tip runs.
    Managed to get rid of nearly all our old clothes, recycling and stuff that we've not been able to do during lockdown.
    Feel a lot better for it and so does the garage.
    Have a black tie do in September, so going to dust off the old DJ and see if it still fits, been nearly 2 years since it last had its yearly outing!
    Other than that, been catching up on the more prolific diaries.
    Now for a quick weekend spreadsheet update and then the rest of the day is available for MrsG's lists...
    I love a fresh clean garage. The problem is I always find a way to make it a complete mess again within 2 months. I think its time for a ruthless cull of stuff again!!
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    MrsG agrees!
    "Now's an ideal time to fill the garage with space" she says...
    I feel this is code for something? 🤔
    If it's not adding up, compound it!
  • badmemory
    badmemory Posts: 9,637 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Maybe it's just code for I want to be able to put my car in there so I don't have to scrape ice off in winter!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Grogged said:
    MrsG agrees!
    "Now's an ideal time to fill the garage with space" she says...
    I feel this is code for something? 🤔
    Love it... My garage needs filling with space too...
    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 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I had an unexpected early transfer from my works pension to the SIPP yesterday.
    I trim my work pension every time it gets above £1,000 as we get better returns from the SIPP.
    This time the transfer went through super quick.

    So this morning, as it's free trading day tomorrow, I adjusted the trades to take account of the unexpected transfer payment.

    No idea why I'm more excited by this than normal, maybe something to do with not being able to do it last month..

    Take care, G.
    If it's not adding up, compound it!
  • Grogged said:
    I had an unexpected early transfer from my works pension to the SIPP yesterday.
    I trim my work pension every time it gets above £1,000 as we get better returns from the SIPP.
    This time the transfer went through super quick.

    So this morning, as it's free trading day tomorrow, I adjusted the trades to take account of the unexpected transfer payment.

    No idea why I'm more excited by this than normal, maybe something to do with not being able to do it last month..

    Take care, G.
    I always get excited, on investing data and on days I get to invest in myself and my sipp. That 21st when the hmrc contributions come in.. Even if its a small amount its about thinking where to invest this month, seeing where funds have done well and seeing my increasing future wealth.

    Not worked for an employer for a long time but seeing theur contributions or matching must be extra exciting. 

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It make life better when we find joy in the little things
    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 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are making CCs work for you not against you. 
    Good that Mrs G got an appointment so quick... 
    Hope you get to cash out of the survey site soon.
    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 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks @savingholmes, I like that a big chunk of our monthly spending earns interest until card is paid.

    I find that YG is either feast or famine. We were best buddies a few months ago, now not so much! 😟
    Still, can't complain about free money.

    Tomorrow is pointless meeting Friday, so lots to look forward to there as everyone checks in on what they did this week. Thank goodness we get to do it again on Monday when we say what we're going to do next week... Gotta love a corporate culture...
    Maybe I should take up knitting like Tom. 🤔😆
    If it's not adding up, compound it!
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