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So many plans have been messed up this Christmas. Pleased you got to spend Boxing Day with ds and family 👍January spends - £587.583
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I am on day 2 off childminding duties . Today is bouncing , the kids not me . Had eldest DGS last night and tonight DGD . I hope I survive until Saturday.Life is an adventure, never stop exploring.4
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Good luck with the childminding. I always found my day job less tiring!!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 6/7/252 -
Hope you survive the childminding 🤞😁😁 Enjoy 👍January spends - £587.583
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Treat yourself to a bottle of wine post childminding duties! You deserve it!🤪Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”1 -
You will survive!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) 25/0720253 -
I'm glad you enjoyed Christmas day with your parents and were able to see DS on Boxing day. Good luck with the child minding.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 MONTHS2 -
I survived the 4 days of babysitting. Have loved having all 3 of them here at some stage , the eldest 2 have stayed overnight as well on separate nights. Mum is off for 2 weeks now so I am having a nice rest.My dear friend who lost her mum on Xmas Eve was upset today as the earliest cremation date is the 26th Jan. Of course it's the pandemic and other factors.Life is an adventure, never stop exploring.3
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This last year hasn't been a bad one for me personally apart from the lockdown and the general Covid worry.We welcomed my surprise grandson into the world in January . We managed to have a family holiday in august. I have been able to visit friends in the Lake District and North East various times . Had my craft break in September as well.The best bit though was becoming debt free in April., the peace it has brought me can't be bought. Also along the way I have made two RL friends who are lovely people , who have shared similar journeys on this forum.Next year is a big one for me I will be 60 in December and hopefully will be going part time at work, but I am going to try and aim for September.My parents celebrate a big wedding anniversary as well this year.I will be going through my budget with a fine tooth comb to see what I can get rid off from my budget as I need to be frugal and save , save save for my part time working.Anyway Happy New Year to everyone who has commented or read my diary this year.Life is an adventure, never stop exploring.7 -
Surprise invitation round to a friends . Got my wine bottle in hand . Happy New Year. 🍷Life is an adventure, never stop exploring.4
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