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Prosperous soul embraces creativity & mortgage neutrality
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I'm glad it's not just me with the dishwasher thing. Where do they all come from?Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Hope the work meeting goes well, and the counsellor. I agree that life is just effort sometimes!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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Life is sometimes hard work indeed.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
Hope you had a good session with your counselling.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1246 -
Alchemilla said:I really hear you on everyday life being a struggle. It sounds like you do loads despite that.
Have you had your hair done yet? xxx
Saturday is hairdresser day. I'm hoping that someone who promised to collect something Friday actually comes - bringing their £12 as it all helps. I'll still do it regardless but at £65 it's not cheap...Lookafterthepennies2020 said:Its so unhealthy and unrealistic that we are supposed to live these healthy lives with 30mins exercise a day, three square meals inc 5 a day, have spotless homes and yet go to work long enough to fund all these!! If you can do one thing a day that improves your life in some way, your progressing!
I have done my balance class tonight and feel better for it. I have another one tomorrow night all being well. Last week I really felt a positive difference in my neck and shoulders after doing it. I'm struggling with wrist movements currently - and yet I did really well at a 3 legged dog with my leg at some weird angle... Bodies are weird!!!
The Christmas tree is now bare but not yet in its box. Still progress. All the rest bar one garland is now in the xmas decs box. I'm planning to only keep what fits in the (huge) box plus the xmas tree plus a shooting star. That still means at least a carrier bag full of decs will be leaving the house. I've already made that bag up.Hi @savingholmes, I've managed to find your diary!
Our situations are so similar, I too took on my largest ever mortgage (£131k) following divorce, IO payments of £145 but I'm overpaying an additional £750pm, it's due to run for the next 18 years by which time I'll be 70, however if I can keep up the overpayments I'll be 64... Only 1 child of 3 still at home, DD... I found it really liberating and empowering doing things on my own and soon realised life was much easier without the ex and my financial situation improved significantly! Since the divorce I have met my new partner, we are engaged but the house is still in my name and will remain that way, he is totally on board with this.
Re clothing hoards... I had a really good clear out after my divorce, I lost over 2 stone very quickly and dropped a few dress sizes. I resolved to only buy new items that were good quality and I truly loved, however, fast forward 3 years and my wardrobe is bulging again and I probably only wear 15/20% of what is in there, especially since the pandemic has practically wiped out any socialising. I really need to have a thorough sort out but it's having the time and inclination!
Sadly, I'm someone that tends to gain rather than lose weight due to stress. I find with clothes you have to constantly keep clearing them out or they just accumulate. You'll sort the clothes when it matters to you enough. In the same way, at some point I'm hoping to get my diet more under control. I'm trying this week but not weighed myself for a few days so not tested yet if it is working.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 29/7/259 -
girlatplay said:I'm glad it's not just me with the dishwasher thing. Where do they all come from?beanielou said:Life is sometimes hard work indeed.lucielle said:Hope you had a good session with your counselling.L
Thanks @lucielle and @jwil . The counselling session went well. I always come out of it feeling encouraged. I'm glad I have the stability of it too - a place to vent and have adult conversations that I'd otherwise struggle to have. I really hope my work meeting goes well too. I've been promised a regrade for years and it's not happened as something always came along to derail it. I want to do all I can to make this the year - and if that doesn't work - I may have to explore other options - but I'd rather stay as I like the people and it's close to home, good pension, benefits, job security etc.jwil said:Hope the work meeting goes well, and the counsellor. I agree that life is just effort sometimes!
I'm going in the office tomorrow and then we're due to go off-site for our chat somewhere less formal. I will also need to fill up with fuel at some point. The prices have inched down very slightly but are still super high. Tomorrow my BG thing goes through for the electric - so hopefully I can submit a meter reading and at least understand how much I'm currently spending. I still need to ring Sh311 back as I asked for a callback that didn't happen. [roll eyes].
Must remember to take my will in tomorrow and get it witnessed... So much life admin!!! One day it will reduce right?
Nearly the weekend guys. Hope you are having good weeks... Will go and visit a few diaries before bed...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 29/7/259 -
Hope the work meeting goes well for you and you get the outcome you hope for. I really admire you and your honesty on here, the way you've coped & are now thriving with such a big change in your life (while in the midst of a pandemic!) You're very inspiring and generous as shown with the support & encouragement you give to many of us here too and yes, I believe the life admin will reduce one day! X
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Like admin does reduce, you've still got the flurry to get through and that's it aside from occasional checks.
To put a different slant on work, when there's an overall good package eg the work, people and benefits, it's not always easy to find it in another place and something has to meet a compromise. In your position I'd leave it for a while. Build up savings and confidence, find yourself more, settle into a routine, budgeting and you'll know when it's the right time.Mortgage started 2020, aiming to clear 31/12/2029.8 -
On the Christmas decs subject, when we pulled ours out last month it turned out that we had got rid of a whole load the year before and had it down to one box and one bag, plus tree. We remember talking about it, although can't really remember doing it, but we were quite delighted. It was so much easier to put them up/take them down this time around. Sort them out now and you'll thank yourself in December.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Hi savings hope the work meeting is positive for you1st May 2025
Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
Mortgage Balance 2: £84,420.24 Now: £83,562.45
Credit Card Balance 3: £10,911.76 Now: £7,237
Student Loan £TBC5
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