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In the Meantime
Comments
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The house you like sounds positive. I hope the viewing clears your mind on what direction you want to take. Once you get yourself settled in a new place you'll be able to dedicate what you need to creative products, but it's so easy to be hard on ourselves when we don't have the tools to do the job we want to. You'll get there.
I hope your day of frog eating has felt productive.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 2026.4 -
beanielou said:Sun_Addict said: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 😬
It's funny, my phone tells me I walk briskly enough, but I get overtaken all the time, even when I'm making an effort. I much prefer to walk on my own so I can go at my own pace."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 McGee3 -
Thanks everyone
@DaisyCheerings the house has potential. I'm looking forward to ruling it in, or out... @MovingForwards also thought I was being hard on myself so I am taking note
Today I had an errand to run that took all day and involved hours of travel. I slept poorly last night so I am tired today. I still have tasks I should have done that are undone but tomorrow will have to do.
Today, I walked when I could have taken a bus. I travelled off peak. All MSE. I had coffee and cake out (£6.30) not MSE, but nice all the same...
It was wet and squally today
I 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) 25/0720254 -
It’s been wet all day here too. Hope you sleep better tonight after your busy day.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Sun_Addict said:beanielou said:Do not ever walk with meI’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£451.50
Save £12k in 2025 #1 £12000/£124502 -
Sun_Addict said:It’s been wet all day here too. Hope you sleep better tonight after your busy day.
I started on my 2 frogs straight away today.
One was the storage unit who have changed hands and are truly awful. They keep finding ways of squeezing ever more money from me! I would move from them but it doesn't make sense and will cost more in the long run. The answer is to find a home and move away from them forever!!!
The other frog required IT stuff plus bureaucracy. My worst frog type. This frog gave birth to another fully formed IT frog but I ate that too
Anyway all eaten now.
I have another frog that I might leave until Monday
A restful (wet and overcast) day for me today
Enjoy Saturday everyone.
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 -
Well done on tackling the frogs!
Have a lovely weekend
"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 -
well done on your ongoing frog eating
I hate frogs that either respawn or spawn into a different frog - I've had quite a few of them in my work atm
good luck house hunting!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Best of luck with the frog eating.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 -
Can you negotiate a better price with the storage co, maybe 3 month blocks as it could potentially take that long for a purchase to go through.
Well done keeping the frog population under control.
Find a day to relax and do things just for you.Mortgage started 2020, aiming to clear 31/12/2029.3
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