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Simple living in the country - back to basics
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I'm so glad you said yes to the panto - it can be one of those things that you'd never do yourself, but you end up enjoying it anyway. Plus a pub tea - you definitely deserve it!2023: the year I get to buy a car10
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Enjoy the panto.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 -
Thank you both, yes I am excited about the panto, don't think I've been to one since I was in them as a kid 😂😂 And while I've had a few meals out in the last couple of years, I can't remember the last time I did anything beyond that in the evening. Quite daunting!
Also quite daunting - I have an actual work event, face to face, booked in for early March in London 😮 Last time I went to London was early March 2020... which was incidentally the last time I went on a train, or stayed overnight anywhere (except a single night at a friend's house a few weeks ago). Very exciting, but I'm not used to such adventures and might be in need of a stiff drink and a lie down afterwards!
Unexpectedly in the office today. Mr Cheery decided to have an extra impromptu trip to his dad's, and my work is pretty much on the way - means I get to use the better Internet (recording lectures at home is a palaver - I often have to leave them to upload overnight!) and see a few colleagues, and also it saves him 2 hours of driving in what will already be a long day.
Means I'll be at work for quite a long time... but a friend has suggested I sneak to hers for tea so I might well do that... an incentive to get things done!
I've brought lunch (from the freezer - thank you past-batch-cooking me!) And snacks, so can hopefully avoid spending anything, especially if I go to my friend's house later.
Right, best get on since I'm here!17 -
Ahh well done for making that last effort on the granite situation - they really do have NO excuses for not making things right now, and at least if they don't you will know that any bad reviews you might give them will be entirely justified too. I really hope they get their fingers out and do what they ought to have done in the first place! Absolutely don't blame you for saying that is IT either - they really have had every opportunity!
Good plan to go to the office today when there wasn't any real extra cost in you doing so if MrC was already heading in the right direction, too. I imagine it also helpfully gives him a cut off time by which he needs to leave if he's collecting you, too, so all good. MrEH tries to tie his office days in with my working days at the moment too - car sharing for the commute is far nicer!
Well done past you on the lunch thing too!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her10 -
Thanks EH. I've arranged to go to friend's house for tea now, so that's unexpectedly cheerful - and also means I have committed to leaving work at 5, rather than just staying here doing stuff til whenever Mr Cheery turned up (probably 7 or 8). Does mean I might not get everything finished... but I have an incentive to get a move on!
No word about granite yet, but I am not chasing any more. If I miss a call I'll return it, but I'm not making any effort other than that.
Right, work! Although I'm getting a bit peckish so maybe lunch...16 -
Happy WEdnesdsay.
Sounds like a good oneI 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.9 -
Thanks Beanie, happy Wednesday to you too! Xxx
Well, it has indeed been a mostly cheerful one, although inevitably I've not got done everything I wanted to 🙄 But I did have a nice couple of hours with my friend and her family this evening, so that was good 😊
Home now, and I'm tired and feeling faintly sick. Had rather a lot of tea today which hasn't helped 🙄
One of the car insurance renewal letters came in the post - not sure if it's the one I could see through the online portal - I think it was the other one. £215, reduced from £251 last year, so I'll take that, although annoyingly I'll have to ring them anyway as it's going to auto renew from the card that was hacked last year so I'll need to change it. Maybe I can do that online, will check.
Nothing else financial to report I don't think. Still not done banking this week, and I'm not going to do it tonight, will check tomorrow. Still not emailed power company to ask them to replace cheque either. Oh dear! Must make myself a proper list for the weekend...
Plans for the next few days:
Thurs - working at home, and I'll have to start super early to finish what I didn't finish today.
Fri - visiting family - and I've remembered that I've not actually asked one of them if they'll be in yet, oops!
Sat - painting the bedroom ceiling in the day! And other bits of house sorting etc. And the pub and panto in the evening
Sun - Mr Cheery will be going to his dad's, but I'm going to stay here and work on my promotion application which I'm putting off, and which will never get done unless I put some specific time aside...15 -
sounds like a good day overallAchieve 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 29/7/257 -
Overall, yes 😊
Up super early to start work early this morning - I have SO much to do today and yet here I am, talking to you 🙄 Got a meeting at 9.30, and because I'm clearly not going to get EVERYTHING I need to done before that I have apparently resigned myself to not getting most of it done before then. Need to give myself a stern talking to - can't keep shifting things backwards as I'm rapidly running out of week to shift them to!
Tired this morning though. Couple of long days, and I've felt generally a bit under the weather since having my tooth out last week - probably not related, but the general soreness is only just properly easily off now so that doesn't help.
Still no word from kitchen geezers 🙄 Clearly I absolutely should have given them a specific deadline to confirm a date. I'm concerned they'll now think they can just turn up any time on the dates I gave (one of which was today) despite me saying I wanted them to pick a specific time and stick to it! I think I'll get to the end of today, send a final email to kitchen geezers saying if they've not confirmed a date and time (out of the ones I've chosen) by the end of Friday, by email, then we'll be doing it ourselves.
I know it shouldn't, but the uncertainty takes up SO much mental energy. I just don't think they realise that.
Hey ho. Going to stop complaining and get on with some work.16 -
I think that's fair Cheery - you've given them one last chance and if they don't come good at this point, they need to realise that like everyone else you have other things you need to commit your time and mental capacity to and they've failed to redeem themselves. Fingers crossed they do come back though as it's much easier to tick off the list at this point if they just blimmin' turn up and do it as requested!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway12
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