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In the Meantime
Comments
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Thank you @Sunshine_girl2 it was good meet-up with both friends
Thank you @jwil I feel better when frogs are being eaten, I've eased off them to my detriment of late...
Thank you @Seasidegal58 you are right storage is the key to an organised space and there isn't any here. I use my suitcase for my clothes and the back of the door for hanging stuff
Thank you @MovingForwards I bought 2 vacuum bags
So a week has passed since my last post. I've lost my mojo a little and trying to get it back. I'm worried about home, money, the usual...
I have £20 left until Monday, so pretty restrictive living.
I have decided I will be going to the cottage in the country for a week once a month until I find a new home. I have to pay for it but mates rates, so it is doable. Plan is to YS and freeze stuff that I take with me to reduce cost of living once there. For example, I got poached salmon fillets 5.75 reduced to 30p yesterday. Two mangoes for 10p. It is good to do this as it ensures a walk there too. All good although also depressing as I expected not to have to do this at this stage of my life...
I still have 2 financial frogs to eat and lack the energy to eat them. Will do first thing tomorrow.
I've been invited out for a drink with a friend of my housemate. Forcing myself to go as I need to shake this mood off.
Hope everyone is okIf 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Hopefully it’ll be one of those things you don’t look forward to but really enjoy when you get thereMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.3
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I hope you enjoyed your drinks.
It must be hard feeling unsettled all the time, and the trip to the country monthly sounds like a good way to look after your mental health.
Fingers crossed the right house turns up soon."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 -
Cottage and prepped food sounds wonderful, you'll feel the positive energy from a change of scenery and more space.Mortgage started 2020, aiming to clear 31/12/2029.3
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Spot on INOD. I had a lovely timein_need_of_direction said:Hopefully it’ll be one of those things you don’t look forward to but really enjoy when you get thereMovingForwards said:Cottage and prepped food sounds wonderful, you'll feel the positive energy from a change of scenery and more space.
Thank you bothjwil said:I hope you enjoyed your drinks.
It must be hard feeling unsettled all the time, and the trip to the country monthly sounds like a good way to look after your mental health.
Fingers crossed the right house turns up soon. Going to try hard to make a week away once a month a reality...
So today I ate the legs off a financial frog by calling tax people. (Called as soon as they opened so didn't wait for too long.) I'll have a second bite once I have sorted another issue that impacts on the frog.
I made an osteopath appointment for next week. Expensive but it is the training college or it would cost even more! I have an issue that will worsen over time but I want to see what can be done to ensure I stay as mobile as possible for as long as possible. It will be good to have an osteopath in my corner as part of team DIA
I started job hunting again. Demoralising, but better than not job hunting. Found something to apply for...
I still have £20 left until Monday so doing well to hold onto it.
Made a lovely supper for myself and my housemate.
Searching for homes. Still nothing suitable
Hope everyone is ok 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Good luck with the job and house hunting. Fingers crossed something positive will happen soon 🤞Glad you enjoyed the drinks. I think we all lose our mojo from time to time, I’m sure yours will return soon.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Thanks @Sun_Addict
Just back from a 10 minute walk to keep my BS in check. Had loads of sugar today so hoping it helps stabilise my BS.
Picked up tons of YS veggies today. Lots of soup will be made. We had a huge salad tonight with smoked trout (YS) and feta and avocado (YS) All good but then ate lots of milk chocolate crisps and drank a few glasses of wine...I don't regret the wine
I completed 90% of a job application today. Pleased with that
Moved room around so I can use the desk properly.
I've got a bit of a cough and sore throat. Annoying...
Still within my budget with £10 left until Monday.
Wishing everyone a lovely weekend.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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Enjoy your weekend 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.3 -
Well done on the frog tackling.
The monthly - week in a cottage sounds good.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Love the sound of a week in a country cottage!
What does an osteopath do? Can't google at the mo3
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