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In the Meantime
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So, reporting on yesterday's to do/actions....doingitanyway said:I'm still waiting to hear from the EA so I know more about the asbestos.
I'm not feeling stressed about it, not sure why that is...
I am keeping my options open just in case...
I went to inquire about a finance option (in spirit of keeping my options open) in branch but they are closed today, so will pop in tomorrow
I have a financial frog to eat related to house purchase that I need to be clearer on. Will eat that first thing tomorrow (I swallow frogs better first thing in the morning
)
I chased the EA as they agreed to send me the asbestos report from the company. It arrived with key missing pages. They claim it came like that. I've asked for the full thing.
I inquired about the finance option. I've been advised, it will be a telephone consultation so I will set that up. Another FROG for tomorrow morning...
I actioned the other financial frog which is an account trace. I spoke to a robotic person to no avail so I have emailed. They have a turnaround of 30 days. Ridiculous, but at least I've started the ball rolling.
Today, I woke with aches and pains related to a health issue. I've decided to start an online yoga session in the mornings. We will see how that goes...
I've walked today and feel better for it.
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
You are doing so well tackling those frogs. Hope the yoga helps."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
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This from me too.jwil said:You are doing so well tackling those frogs. Hope the yoga helps.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.3 -
Well done on the frog tacklingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
On the coffee front: I sometimes do a half and half - half decaf half "full-fat".What would you get if all you got was what you were thankful for?3
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Thanks @beanielou @jwil @savingholmes
Good idea about half and half coffee @satchmo1
Well I got feedback on one of my frogs today. It came back negative but at least I now know that isn't an option.
With the other frog from yesterday I need to eat a pre frog (a form to complete and send off) that will allow me to arrange the telephone consultation FROG. Pre frog will be eaten tomorrow.
The cauliflower dish I made was horrible! It sounded good in the recipe and looked lovely, but no...
A PO parcel sent abroad. Quoted £26 or £29 or £12 for economy that will take 8 weeks. I chose economy. No rush for it to arrive...
A younger relative needed financial help. I gave it as a loan for a month. I explained I needed it back. I hope he doesn't let me down. If he does I will have to deal with it and suck up the cost to me. Truly hoping that doesn't happen.
A new FROG for tomorrow will be rejigging finances.
Looking back on my day it doesn't read well, but in reality it was ok.
Everyone is ok. Not very MSE to say so but it is only money.
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
That's kind of you to help out your relative. Hope he sticks to his side of the deal."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
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When my sons would ask for loans, I emphasised that it was in their interest to repay so that there was money in BOM for future emergencies! They understood that concept.What would you get if all you got was what you were thankful for?3
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Thank you. I hope so too!jwil said:That's kind of you to help out your relative. Hope he sticks to his side of the deal.
You make a good point!satchmo1 said:When my sons would ask for loans, I emphasised that it was in their interest to repay so that there was money in BOM for future emergencies! They understood that concept.
In the past 3 weeks 3 people have asked me for a loan...all relatives. It happened again today. This time a smaller amount for an adult. I said no to an adult a few weeks ago. This adult has a top of the range car and a good job! I am saying no again today. What I think is happening is they all know I am house hunting so therefore they assume I have money to spare. I don't! I spend my days doing sums and trying to find ways to afford a roof over my head. I hate saying no but unless I do the message won't get out.
I am especially unsettled today as for various reasons the house is a no goer for me. I wanted it to work but I have been through too much. I simply can't cope with the work. I wish I could, but I can't.
So, now to explore a more expensive option. Sigh.
I ate yesterday's frog of exploring a finance option and that product was withdrawn but I spoke to an adviser and it was suggested I go for a different option, so will explore that but not today...I've had enough today.
On days like today I try and treat myself kindly so I can just keep going...
Life is hard sometimes, but then I think of @Sun_Addict and what she is coping with and still stepping forwards. Then I think, this is a blip. I can do this. I will get there eventually.
I hope your day is better than the one I am having.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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
So sorry to hear about the house. If it's too much, it's too much, and hopefully something better will be along soon.
Also sorry to hear your relatives think you are a bank! Well done for saying no, however close you are, you need to avoid the risk of not getting the cash back.
I hope you can find some time for yourself and a bit of self care x"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
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