Future Proofing my life: Deposit saving then MFW journey in under 13 years

savingholmes

Yes - I wouldn't cope at all with all those critters. I think you are doing amazing. 

Is there anything more you can do to nudge the unpaid invoices along?

LadyWithAPlan

Its Friday!  Hope all are having a fabulous day

Food batch cooking
@Tilly_MFW_in_6_YRS diary - all 1000+ pages last night. So inspiring and to have a redundancy for 6 months plus in the middle of it wow.
@Watty1 maybe??? to inspire me I would love to see it. This will be a major area to get moving on for this winter - especially looking at utilities! 

Declutter - once I am back in London I need to get on fire with that as well. Pointless having stuff in my house that I could sell to get me closer to this £125k and then £155k saving target

Gorgeous day and I have had a slow start - beyond 5 dogs and 4 cats feed and check on horses. I am having my first coffee outside in the pagoda (will miss this when back in London). I made a GF apple and blueberry cake yesterday in the breadmaker  so having a slice of that before dog walking- there are some amazing apple trees here as the previous owner was a champion grower - some apple varieties you just dont find - 12 trees of different kinds inclusing a beautiful red one, quinces, apricots, cookers, plums
I will be carting a suitcase back with me of them
Then I will start work at a reasonable hour - just 3 full days now here before they return.
So much easier w/out bitey dog..

Free Money: £3.72 +  £8.35  = £12.07 - on way to ISA -  
Done via paypal so not seen it yet but sent to Baby vangua ISA for house.
Quidco £3.72 withdrawn - 
The £3.72 has been in there since Dec - I need to be more on top of this as its better in my accts than in theirs especially if I can put in S&S or PB
I should have £21.06 coming as well plus an unnamed amt for house insurance last month - its there but no £...

TCB - anyone know about TCB Plus membership as I see they have w/drawn £5 as annual membership plus £1.62 for previous! 
I did not sign up for it - do I need it? I have turned it off for next year - renews Dec 22. 

I have withdrawn £8.35 TCB
- 
£55.09 pending

Lots of work to do today

savingholmes said:

Yes - I wouldn't cope at all with all those critters. I think you are doing amazing. 

Is there anything more you can do to nudge the unpaid invoices along?

Now bitey dog has gone its a pleasure - no howling, no crazy in the morning, no stress on keeping them all apart
Once all dogs fed and watered they chill til their 2 x daily runs in a field. Horses are fine but hopefully it will not get too warm or I will be getting them in ...

On invoices
The one company is having issues- honestly largely to do with excessive spending  by the director in the company and personally  - had 5 + years of huge profits but spent it large as opposed to saving or paying off house etc - so sole director is stressing - it has meant he has less options. A very good lesson for me to watch as my income has jumped the last two years but I am watching every penny and when I do my MFW diary I am definitely more focused on the long goal not short term I want now.
 . I will remind them as June bill due - 30 days - and July bill next week 

The other company - main guy is on holiday - one invoice paid early - but still £xxxxx due
I have been too crazy busy here looking after pets but once I get back to London I will be revamping the CV for another side job

Right off to walk dogs in my shorts and boots  then settle down to work outside.

MFW savings   26/08/2022  £102,091.07

South_coast

I turned off my plus membership, also didn't sign up to it and I don't think there are very many retailers where they offer an enhanced rate anyway. £5 is a lot to deduct from my pitiful cashback earnings (largely because I don't buy very much!)

LadyWithAPlan

South_coast said:

I turned off my plus membership, also didn't sign up to it and I don't think there are very many retailers where they offer an enhanced rate anyway. £5 is a lot to deduct from my pitiful cashback earnings (largely because I don't buy very much!)

I have no idea how it got turned on and I have never signed up for it! I lost 6.62 ouch - but its off now. I will email and see if I can get some or all of it back.

savingholmes

Glad you have a fruit haul to take home with you. 

Thanks for the Tilly link - I'll look into it.

Good luck with your goals. You are a high achiever so every confidence in you.

Suffolk_lass

I looked at my platform provider (Charles Stanley Direct) and there is only one Van fund specific to US; a top 500 US fund and that is a eur currency one

LadyWithAPlan

Suffolk_lass said:

I looked at my platform provider (Charles Stanley Direct) and there is only one Van fund specific to US; a top 500 US fund and that is a eur currency one

Tx for checking 
everyone raves about VNQ as seriously well run Vanguard US REIT 

@savingholmes when I am focused I am on fire but it takes me time always to get in the zone  
being here with all the barking, animals needing attention etc  really has shown me how I can’t settle down to tasks if too many distractions .. so a great lesson learnt 

NSD again today that makes it either  12 or 13 - seeing family tomorrow and need to do bit of shopping for all returning here Monday 
no TT yesterday so will did double today £1.81

i am very happy also I didn’t go away with girlfriends to Ibiza for 9 days in August - will have been very expensive and I gather the bars and restaurants there all been putting up prices hugely .. supermarkets for food also - I think Spanish utilities have gone up even more than ours! 

Apparently for those not checking the menus people have been charged 200 euros for 2 drinks and a sandwich - I also have got a lot of friends there who have stopped going out to eat cos of food prices. 
Having had no real tourism there for 2 years the locals are all trying to maximise their earnings right now 

elantan

Ahhh Tilly tidies they just became like breathing for me, still do them as often as I can and still amazed at how much I save in a week/ month 

using my tilly tidies for adventures at the moment 

South_coast

€200 😱😱😱!!!

LadyWithAPlan

South_coast said:

€200 😱😱😱!!!

Yep... I have lots of friends over there and there are some horror stories of some beach bars/clubs etc absolutely pushing the tourists for max.. I remember being at a beach bar in Nice once with a French friend - he ordered 2 glasses of rose - and when the bill came they had not served the house rose but the most expensive rose by the glass - 3 times more! He lived there and was in the tourism industry and was appalled.
Always important to see the menu first especially in high end beach bars !

elantan said:

Ahhh Tilly tidies they just became like breathing for me, still do them as often as I can and still amazed at how much I save in a week/ month 

using my tilly tidies for adventures at the moment 

Good to see they are useful for fun too! They are super energising,

Another NSD 13! 13/13
So much easier to not spend when I have to get into a gas guzzling monster to get any sweets or food!
I will be shopping for food tomorrow for the returnees - 2 more sleeps!! woohoo and then champagne! No alcohol for 2 weeks since they left as needed to be as focused as possible,

I am officially Ms Doolittle. I now have the dogs, cats and horses following me everywhere. Often in trios )
The horses are in their correct fields but as soon as I pop near they are there popping over and happily following - I guess I have been here for 2 weeks now so they are used to me. There is one cat that even wanders into the horse fields after me so that is a bit worrying so I am constantly watching.
Two dogs constantly follow me - the others are not loose and one sat for an hour today  guarding me picking apples and plums for family I am seeing tomorrow. I move anywhere and he wakes up and follows. Too cute.

I was wanting a pet again in London (dog or cat) but good news is I have Od'd on them for a while - especially  the cats waking me in the middle of the night for attention...