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In the Meantime

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Comments

  • In Scotland I'm a mile and a half from the sea. I can see the sea meets horizon from my front garden. 
    In Dublin I'm beside the mountains 😀
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Beautiful. I would like rural and coastal 
    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 10/10/25
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    @redofromstart@WelshmansDaughter@southern_chick @beanielou I envy your access to the sea/water :smile: 
    @Sun_Addict@savingholmes let's hope we get to live close to the sea someday soon  :) 

    I haven't done that well today.

    I did make the curry

    I made quinoa and seed crackers (they came out more like thin biscuits  :/) I ate most of them so need to do another batch before my housemate gets home! They were pricked and had lots of sea salt on so were very moreish...

    I printed off the document I need...

    I phoned and texted those I needed to phone and text

    Then, I disappeared into a rabbit hole of looking for jobs and homes. 

    I am going for a walk as it is suddenly sunny. I will tackle the rest of my list on my return  :)

    I hope everyone saw a glimpse of sunshine today. A promise of things to come...
    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) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Best thing I did was pick location for the views, it never gets boring.

    Hope your walk, fresh air was beneficial and the sun keeps making an appearance to encourage your days.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Joining SW sounds like a good plan.  It's the one plan I feel is worth doing.  

    Well done on catching and eating more frogs.  You've got such a consistent approach with those.

    I was hoping we'd be into a bit nicer weather by now, but at least you're managing to get out on your 30 minute walks each day.  Good luck with your lists.
    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.
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @DaisyCheerings I walked 30 minutes today getting to and fro the exhibition but I went with a slow walker. I find slow walkers annoying and I know that is rude of me. Sorry to all the slow walkers out there.

    A family day doing for others yesterday. It was a good. At least I made other people happy.
    Today I have been on edge all day. I didn't even enjoy my food due to the edginess and that is unlike me. 

    I went to an exhibition but I didn't stop feeling edgy. Never mind. I am still glad I went. A few creative bells went off.

    I had feedback on a creative venture. It was good but made me feel guilty about not doing enough and bad about not being settled so I can properly carve out a proper practice.

    Another house I'm thinking about. It has a few issues that I'm thinking my way through. I will call for a viewing tomorrow...@MovingForwards it has lovely views!

    Tomorrow needs to be all about frog eating as I have had a few days off and I can see the frogs jumping about just outside my field of vision.

    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) 25/072025
  • Sun_Addict
    Sun_Addict Posts: 24,401 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m like you with slow walkers, drives me nuts. I walk really fast and find it hard to walk slowly, it seems to take more effort somehow. When I was recovering from a broken leg, my walking slowed down significantly and I vowed to have more patience with slow walkers, it didn’t last long once I was back up to speed 😬
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I’m like you with slow walkers, drives me nuts. I walk really fast and find it hard to walk slowly, it seems to take more effort somehow. When I was recovering from a broken leg, my walking slowed down significantly and I vowed to have more patience with slow walkers, it didn’t last long once I was back up to speed 😬
    Thanks @Sun_Addict So relieved to read it isn't just me. It is like trying to drive at 20mph. It takes loads of effort!! That said, I will slow down myself at some stage. I wish I was more patient. I will keep trying... 
    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) 25/072025
  • beanielou
    beanielou Posts: 96,661 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I’m like you with slow walkers, drives me nuts. I walk really fast and find it hard to walk slowly, it seems to take more effort somehow. When I was recovering from a broken leg, my walking slowed down significantly and I vowed to have more patience with slow walkers, it didn’t last long once I was back up to speed 😬
    Do not ever walk with me :lol:
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,401 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Do not ever walk with me :lol:
    🤣🤣 some people have refused to walk anywhere with me because they can’t keep up 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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