Positively Planning and Enjoying Life

2456710

Comments

  • On the number for retirement some sites like which have free calculators. 
    Thank you savings I will need to look into these
    Mortgage Balance
  • Exhausted and an early night beckons.

    Spends today have been : cat food and butter £13 spent. Petrol used.

    No unnecessary purchases even though i was hungry whilst out i waited until home and then made tea.

    On the savings front this will come from my wages and anything which i sell. My mortgage payment is less since remortgaging, so now i've paid the 10% for the year the difference from what i was paying to the mortgage and what i'm paying now can be diverted to savings.

    I will need to look at other income streams when i am more organised here, and when i have more energy. Hopefully, our home being better will help on the energy front as well as the time to do things.

    Popped another item in the selling bag so a bit of progress there.

    Off to catch up on some diaries
    Mortgage Balance
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Which - is a good place to start on calculators and there's a free govt one called something like £ helper.

    Well done on the decluttering. it's all progress.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Thank you savings i have made a note of these to look into

    I have been trying to pop on here and update but i have been working a lot this week and have just been too tired afterwards. i've got home and sat down now straight away to update.

    First of all spending update:

    Food:
    Cat food £21.85 - this is for 3 large cats (not overweight just big cats :blush: This includes £5 on treats for their xmas prezzies

    £25.75 bread, milk, breakfast pastries & cereals, large joint of beef, 8 large sirloin steaks, 3 packs of bacon, fresh fruit and veg, washing liquid toothpaste & sweets (£1 only on the sweets)

    Socialising £27.10 - two nights out with different friends - a meal for one and travel for both

    Petrol £58.08

    Other 'frittering' spends: £10.25 - socks, a small perfume, replacement lights and new packs of face masks.

    Petrol: - £58.00 - need to keep an eye on this spend - i only budget to fill up once a month and this was the second fill up this month.

    I've been so busy with work i've not had chance to list anything for sale since last posting and i've still got some prezzies to make - i hope to progress both of these tomorrow when i'm off work.
    Mortgage Balance
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Good luck with the pressie making - that sounds fun. 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Thank you savings but i ran out of time today - unexpected catch-ups with various people lost me the window of time i needed.

    I will aim to get them done by Tuesday - I am well aware the time is pretty short - i can see this has all gone on the extra hours worked (for which i'll get the time back next year).

    I have used the time i did still have available to tidy up a drawer. The second out of the 2 it holds which i needed to sort out. So both drawers now done. Not completely satisfactorily as really i'd need at least 7 drawers to house everything properly. But they are done the best i can do them which has to be good enough for now.

    I decluttered 8 items in the process - 3 for selling 3 for gifting and 2 to the bin. Overall it will all help.

    I am not doing a room at a time but a bit of a room, or cupboard or drawer at a time - so i've done a bit in the kitchen and a bit in the bedroom - the 2 drawers being completely done now but only 2 halves of 2 different cupboards in the kitchen more or less done.

    I think when i'm more on top of it overall it will be less overwhelming and then easier to revisit areas properly.

    Right on with the next task.
    Mortgage Balance
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    I like that you are taking small chunks rather than get overwhelmed by the scale of the task. Most of my lounge surfaces need clearing - but no energy for that right now. Good that you've decluttered 8 items.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • I like that you are taking small chunks rather than get overwhelmed by the scale of the task. Most of my lounge surfaces need clearing - but no energy for that right now. Good that you've decluttered 8 items.
    Thank you savings - I just think it is all progress one way or another and even 1 shelf in 1 cupboard is overwhelming for me to do in one go at the moment. 

    I'm still adjusting to the new job and times of work and probably from the overworking of juggling 3 jobs and not really managing at home in the same time.


    Mortgage Balance
  • I have just about finished work for today - whilst i will get the time back in the New Year i really could do with the time now - i have not made the presents i was supposed to, i haven't tidied anything that i wanted to do. I haven't eaten healthily or exercised.

    These are the reasons i need to be on top of things more at home - if i am organised i can have a healthy lunch which will help my energy levels and also i will be able to relax rather than thinking of all the things that need doing and then finding i don't start anything.

    <- i stopped typing there and made myself get up and go and tackle one of the cupboards i'd started, i figured i could at least finish 1 shelf or one half shelf (it's an awkward double cupboard). I have now finished the full double cupboard, and in the process of re-homing items also did a full shelf in another cupboard - as well as locating a couple of bits dotted around and putting them away in said cupboards. It's good enough for now. When everywhere is much better and clearer i can revisit this an declutter more thoroughly. 

    The fact it's good enough is also positive - we won't open the door anymore and just give up on putting things away properly and we can find things better too. i do prefer things to be done properly so it's good i can let go of that a little when i really just need to get on and get things done.

    The tidying declutttered - 1 item for possible sale or giving to someone else, 1 item definitely giving to someone else and 3 items binned.
    Mortgage Balance
  • savingholmes
    savingholmes Posts: 27,270 Forumite
    Name Dropper First Anniversary Photogenic First Post
    All good progress. I was proud of myself this week for binning holey leggings... Why do we do this to ourselves? We deserve a nice, clutter-free home - or at least a more liveable one. I'm lucky enough to have a spare room and it's filling up rapidly - but like you I can't tackle everything at once. 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
Meet your Ambassadors

Categories

  • All Categories
  • 343K Banking & Borrowing
  • 250K Reduce Debt & Boost Income
  • 449.6K Spending & Discounts
  • 235.1K Work, Benefits & Business
  • 607.7K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards