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In the Meantime

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Comments

  • 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.
  • jwil
    jwil Posts: 22,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou 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 😬
    Do not ever walk with me :lol:
    I'll join you in the slow walking club :) 

    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 McGee
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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) 25/072025
  • Sun_Addict
    Sun_Addict Posts: 24,401 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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)
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,134 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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 have the same issue. I do lots of hill walking and am used to fast walking as 90% of the time I walk alone. Walking slow is more exhausting so this week has been tough as I have had to tailor my speed to my 87 year old mum who is obviously way slower. She doesn’t refuse to walk with me but I do adjust my speed for her. 
    I’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/£12450
  • jwil
    jwil Posts: 22,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
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