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In the Meantime
Comments
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Thanks @beanielou
Thanks @WelshmansDaughter I do most of my clothes shopping with an online company
Thanks @redofromstart I was absolutely fuming with the EA. Supressed rage as I need to be on good terms...
Thanks @MovingForwards I'm less worried about how I look and more worried about health impacts, although I am not completely without vanity!
I have weighed in. Not that bad. By next week I should be into the next stone as I am only a few pounds into this stone.
I have just packed my breakfast and some fruit to eat at noon, as I am taking a relative to church today so will eat straight after.
I will be taking my funds for the week out.
I will load some money onto my card for travel.
I had a missed call from the EA late yesterday so I will need to chase.
Anyway this is a quick update as I need to get ready to travel to a relatives
Happy Easter and have a good day
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) 25/0720253 -
Well done on the interview. I hope it has a positive outcome.
Enjoy the long weekend.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 -
Hope you have a good 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 McGee1
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Thanks @savingholmes and @jwil
I've had a few good days. Not feeling anxious.
A family day on Good Friday and quiet day at the weekend although I had invitations on the Sunday. I was able to declutter and clean my room. It is a small space so it is a constant battle to keep all my stuff in good order.
I have not yet taken my Friday allowance so taking it later today. I had a bit in my purse so I used that. I've used up food already in the fridge too.
I bought a train ticket as invited for a mini break. I used my CC as I am carrying a small credit (accidentally) Friend will pay for a day pass for an arts festival. I go for 3 days this week. Something nice to look forward to...
I will take out my allowance today. I will use some of this for a relatives therapy but that expense only lasts until the end of April. Another subscription will also end at the end of April so I should be £39 better off monthly in May. Plus a payment for £50 over the past few months has stopped.
TO DO- set up a monthly £50 to savings
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 -
The mini break and festival sound fantastic.
Spends are working well if you had money left and it seems in few months things will ease up, financially.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Enjoy your wee breakI 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.2 -
Excellent job on the decluttering 💪2
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Enjoy your breakAchieve 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 10/10/251 -
Thank you @MovingForwards @savingholmes @beanielou and @WelshmansDaughter
I came back from my mini break yesterday. It was good to get away and be stimulated creatively. It was nice to stay with my friend and I feel lucky to be invited. That said I was glad to get back. I still find it hard living in other people's homes and living by their rules and ways of being...
Today I had a trip with my house mate to a garden event. It wasn't great, but it was good to get out. This organisation has a great winter festival that is fantastic that I will stick to instead. I treated my friend to coffee and cake. Nice cake but rubbish coffee and it cost £13, add on fares and entry and today cost me £30. It feels like quite a lot to me...?
Tomorrow another treat. Paid for a while back. A classical concert
I'm doing well with with thrifty food and made a great curry using up the bottom of the fridge veggies
I bought some fancy cups and saucers in a CS. They cost £20 and are beautiful. A bit of a splurge and certainly not needed....and yet...I enjoy them so much
I'm still unhappy with my eating when on the move. By the end of this week I will have a smaller lunch box that will fit in my day-to-day bagHaving good apples and some nuts help so I will stock up on those too.
I'm feeling ok.
Hoping some housing options present next week! But I haven't felt nervy about it this week.
Hope you are all 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) 25/0720255 -
All sounding good 😊 The cups and saucers sound lovely. Enjoy the concert.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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