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The Next Phase

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Comments

  • Got up yesterday feeling decidedly ropey , sniffly noise and a bit of a cough . At least the UTI has gone , anyway had a slow day , worked in my pjs for the first time and had an early night and feeling more with it today. 
    In work tomorrow as long as my cough doesn't escalate , we are now being told not to have meetings in person! 
    Anyway today I need to do some housework as I was away all weekend and am busy this coming one , so I have dusted everywhere this morning , changed my bed . Lunchtime I will Hoover if I feel like it. 
    Have a good day . 
    Life is an adventure, never stop exploring.

  • Sun_Addict
    Sun_Addict Posts: 24,886 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I started with feeling rough, sniffing, aching and a bit of a cough on Friday afternoon. Lots of Covid cases where I work at the moment although I’m pretty certain I’ve just got a cold. 

    Glad the UTI has gone. Hope you feel better soon.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Work is strangely quiet today, which always worries me , like the calm before the storm . I have hoovered through and done all the washing . Went for a walk and feel better for that , I love being outside . 
    Life is an adventure, never stop exploring.

  • EssexHebridean
    EssexHebridean Posts: 25,364 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    As you popped into my diary and gave me shop-envy :lol: I thought I should read yours! 

    Hopefully your lurgy is just a cold and will behave itself - you're right there's masses of nasty ones around this year, I've escaped so far but sure it's just a matter of time! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Onebrokelady
    Onebrokelady Posts: 7,966 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I hope you don't get the lurgy that's going round,it's really nasty. I always feel better when I get outside xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,756 Owed = £10,874
  • I still have a cold but lateral flows are negative . Work continued to be quiet the rest of the week . I had youngest DGS on Friday for a practice run , it went ok but I forget how tiring babies are . Yesterday DGD had her princess birthday party and it was lovely to see her with her school friends having a good time after the past 18 months . The shopping and housework got done pre party . Today I am going to a friends for Sunday dinner , her husband has MS so she likes entertaining at home . It will be dark when I go out but it will be lovely to see her . 
    I have paid my CC today from the Xmas fund , which makes things so much easier and added another £200 to PBS . Have kept £50 back as I seem to socialising more than normal at the minute . 
    I need to go in my big cupboard to find my Xmas cards I still haven't done it . Ironing first though , I will carry on watching Dynasty on Netflix . It's very trashy but easy on the brain 😂.
    Have a relaxing day . 
    Life is an adventure, never stop exploring.

  • I hope you don't get the lurgy that's going round,it's really nasty. I always feel better when I get outside xx
    Thanks OBL it  just seems to be a lingering runny nose. 
    Life is an adventure, never stop exploring.

  • As you popped into my diary and gave me shop-envy :lol: I thought I should read yours! 

    Hopefully your lurgy is just a cold and will behave itself - you're right there's masses of nasty ones around this year, I've escaped so far but sure it's just a matter of time! 
    Thanks EH for dropping in, your diary is always one of my faves . 
    Life is an adventure, never stop exploring.

  • EssexHebridean
    EssexHebridean Posts: 25,364 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks EH for dropping in, your diary is always one of my faves . 
    That’s a lovely thing to say - Thank you! 

    Hope you had a lovely Sunday lunch with your friends. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you had a lovely meal out. Well done for clearing your CC.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
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