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In the Meantime
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Just caught up again. Safe and happy travels. I hope you're having the time of your life and enjoying all the benefits of being away.
Merry Christmas and a Happy 2023 to you. May the work you've done this year put you in a good place for a more comfortable journey next year.Debt on 01 July 2022 = £42,083.00
Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
Debt on 01 January 2024 = £24,922.36 (-£12,153.51)
Debt:
01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
Current debt free date = 01 July 2026.2 -
Welcome back!2
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I really appreciate all the well wishes from you all. Thank you. A bit late for happy new year I know, but wishing it to you all anyway
The trip was a complete reset. Such beauty and peace. I reconnected with close family. I swam in the sea and walked daily. I was vegan and booze free. I lost weight and gained fitness naturally. I found out whilst away that an award I applied for was awarded to me, so it was worth the stress of getting the application done before I left. I must keep the momentum going...
I was at baggage control waiting for my case and I swear fear was on that belt waiting for me. I'm back to feeling unsettled. Telling myself that is ok and I will tackle my frogs.
Yesterday I got a job application form in.
Yesterday I requested some bank info and changed a SO
On Friday I tackled a finance issue
On Friday I returned a few things at the PO.
Today I will work on another job application due in on Friday
I've recently learned that a small walk after meals is hugely impactful in controlling blood sugar. It needs to be 2-10 minutes within 2 hours of your meal. I call it my BS dump walk. It is IN ADDITION to a proper daily brisk walk. My other small change is green tea instead of black. I like the Japanese ones so easy to do.Green tea good for inflammation and BS so easy wins for me
I've started using the bells and whistles cookpot. I made a beautiful red Thai curry yesterday. Will make another curry today.
My housemate took me to the airport and picked me up too. She hasn't said, but parking at the airport, tolls, petrol, not to mention getting up at 4am to take me. So, taking her out for a meal this week to say thank you. Other than that being careful by walking (easier now as fitter) to save fares. Also will be doing lots of cheaper veggie meals like dals and curries with in season veggies.
I was ready to come back.
I have a house and a job to find.
Let the battle commence.
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Welcome back @doingitanyway and happy new year to us all! Wonderful to see you posting love Humdinger xx3
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What a lovely surprise to see you are back. Your trip sounded ideal . Welcome back , onwards and upwards .Life is an adventure, never stop exploring.3
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Welcome back and sounds like you had the break that you needed.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Welcome back DIA.
You're sounding rejuvenated and ready to get everything on track.Mortgage started 2020, aiming to clear 31/12/2029.3 -
good to see you again and to hear that the break was a success. can't wait for the next adventure.
Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.3 -
The trip sounds like it's done you the world of good! Congrats on the award as well.
Thanks for the tip on walking after meals, I shall try and adopt that one, 2 mins must be achievable!"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 McGee2 -
Welcome back. Sounds like an awesome reset.
Congrats on the award.
Good luck with life admin as ever.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/252
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