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5 months to emerge as a butterfly

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  • benbenandme
    benbenandme Posts: 12,334 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Yesterday was lovely but today the rain that they have been rpedicting has finally arrived. I don't mind, I quite like it and it makes a change. Tomorrow is run day, I'll be happy if it stays like this as I like running in the rain. 
    Work-wise it was pretty hectic yesterday, hopefully today will be a bit quieter.
    I want to do some general housework today just to stay on top of it all and hopefully I'll get a chance to look at the end of month banking stuff today too.
    Mortgage Total: £51,801 / £75,000
    Mortgage Overpayments Pot £534
  • I love running in the rain too, DIY cooling system and quite refreshing :) x
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow you sound like you got loads done but why did you mention flapjacks - now I am craving them!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • benbenandme
    benbenandme Posts: 12,334 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Morning, another run done this morning - that was the last of my 25 minute runs, next I need to do 3 x 28 minute runs. Todays was fine until the last 5 minutes and that was tough but I kept plodding :)
    Today is a thoroughly miserable day weather-wise, I really wish my heating was working as it's bloody freezing in here!
    I'm trying to find out how to get our money back for our Sun holiday - we were meant to be going to Devon at Easter for 4 days, we paid half to the park operator and half to the Sun - the park operator have refunded us with no bother, the Sun are impossible to get hold of ...
    Mortgage Total: £51,801 / £75,000
    Mortgage Overpayments Pot £534
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frustrating from the Sun - perhaps you should tweet about it - that could get a more positive response
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • benbenandme
    benbenandme Posts: 12,334 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Interestingly I've had an email from the Sun and they say I'll get my money back within 28 days, hope so :)
    Not a very exciting weekend, but everythings ticking along nicely except for my running. I think I have pulled my calf muscle or torn something - every time I walk it hurts. I'm doing the RICE thing but I really want to get back to my running, I don't want to have come this far to have to stop now but I know I don't have a choice at the moment.
    Off now to do a roast dinner, chicken today, then tonight I'm planning some card bits for the new month.
    Mortgage Total: £51,801 / £75,000
    Mortgage Overpayments Pot £534
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear you've injured yourself. Hope it improves quickly. Good news that the Sun refund is coming
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • benbenandme
    benbenandme Posts: 12,334 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Pleased to see the sun is back today, it has been proper miserable here for the last few days. Today I've stripped the bed and that is drying nicely on the line, work is fairly quiet today so I am having a bit of a catch-up with other stuff kinda day. I'm still doing my 10,000 steps each day, I've done about 30-35 days straight now I think. 
     Just checking my tesco order for tomorrow, it doesn't matter how much I spend the fridge just always seems empty at the moment :( 
    Mortgage Total: £51,801 / £75,000
    Mortgage Overpayments Pot £534
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to an empty fridge. Can you batch cook and divide into portions? I found that helped in our house when people were munching through everything too fast. I bought plastic takeaway boxes on line and immediately divide into portions (and re-use them).
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • benbenandme
    benbenandme Posts: 12,334 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    I do sometimes do that Savingholmes but I don't have space in the freezer. I did make a list of what s in there yesterday and will be using up some of it over the next week. There's lots of 'bits' - 3 bags of chips, each with about 15 chips left in them etc, a third of a bag of frozen peppers, a third of a bag of butternut squash chunks, some frozen chopped bananas, some frozen sliced lemons ... lots of bits but not much of any use :):) 
    Mortgage Total: £51,801 / £75,000
    Mortgage Overpayments Pot £534
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