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Comments
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You're doing really well DIA, having a plan makes things a little clearer and offers a period of stability.Mortgage started 2020, aiming to clear 31/12/2029.6
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Thank you. I am doing an impression of a swan. Underneath the water I am paddling furiouslysavingholmes said:You are sounding remarkably calm. Well done on the continued decluttering. I agree about trusting things will appear when you need them
Thank youjwil said:Glad you are feeling a bit more settled, and lots of progress being made. 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Thank you @MovingForwardsMovingForwards said:You're doing really well DIA, having a plan makes things a little clearer and offers a period of stability. 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
I think most of us are. Glad we have this place to get some release though.doingitanyway said:Thank you. I am doing an impression of a swan. Underneath the water I am paddling furiouslyAchieve 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 10/10/257 -
Today I returned the third pair of boots. I was so tired I left it for another day to shop for boots. I walked like a slug today as I have had a flareup affecting both my back and legs
Partly self inflicted by constantly eating foods I can't properly digest. Stress doesn't help either.
My friend called to say she can help with taking things to the SU tomorrow. So, packing for that tonight.
Whilst out I bought coffee and fruit. Both were at the higher end, but are treats. I don't think now is the time to be hard on myself. I'm craving healthy food once again. That must be a good sign. I bought some coconut cream, so will make a veggie curry and a batch of quinoa and red lentils.
Tomorrow I am going to buy one of those railcards that discount on train tickets. If I need to view a house at least it will be less expensive.
Tonight I plan to catch up on some work for a friend. I've been putting it off, but I will channel @HairyHandofDartmoor and get it done instead of putting it off.
I hope everyone is ok today.
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20257 -
Good luck with the piece of work. Glad you have a friend who can help get stuff to the SU.
Glad you are eating healthier. Need to do the same...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 10/10/257 -
Tsavingholmes said:
Thank you SHGood luck with the piece of work. Glad you have a friend who can help get stuff to the SU.
Glad you are eating healthier. Need to do the same... 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
A full on day.
I could not find the flash drive to do my friend's work. Many hours searching for it. Stressful. I only found it this afternoon. Luckily I started the goal early, so I have done a few hours today and will do more tomorrow. Phew...
The last trip to the unit today. We stopped off for a glass of wine and a snack. We had a good chat too. I felt much better after.
I have some lovely wool jumpers and 2 pairs of gloves, all very expensive but they shrank slightly. I was holding onto them but today I passed them on to a friend who was so pleased to have them.
I spent 7 today, so a LSD
Tomorrow, the plan is- buy a railcard
- counsellor
- visit friend
- chase viewing appt
- eyebrows done for a treat
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20258 -
Always lovely to receive the gift of flowers. Hope counselling goes well tomorrow. I see mine Wednesday.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 10/10/256 -
The SU frog is done and it's frees up mental energy ready for tomorrow. Enjoy your pamper and chats.Mortgage started 2020, aiming to clear 31/12/2029.6
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