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In the Meantime

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  • savingholmes
    savingholmes Posts: 29,235
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    beanielou said:
    How dissapointing that your younger relative has not kept his word.
    Great charity shop finds.
    Same from me. 
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • Sun_Addict
    Sun_Addict Posts: 26,433
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    Annoying about the non repayment of the loan ☹️
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • MovingForwards
    MovingForwards Posts: 17,183
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    That's very disappointing and strengthens resolve not to lend again.
    CS goodies sound delightful and your meal sounded delicious. Who needs pudding with a cheeseboard and choc!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 24,084
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    How disappointing about the relative.  I hope they pay up soon.

    Great finds from the charity shop.
    "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: 10,925
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
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    Thanks @beanielou @savingholmes @Sun_Addict @MovingForwards @jwil I plan to leave it for a week then will contact the non payer and ask how they plan to repay. Not looking forward to it. They have spoilt it for themself as I will never loan them money again. :/
    On CS clothes it is rare for me to find anything that fits and suits so especially pleased  :)

    Thanks @mark55man I appreciate your input. The pipeline is a bit bare but I'm going to stick it out. I really like the area I've chosen. I might be deluded, but I do think I will breakthrough soon.  :)

    Yesterday was a paperwork sort/shred day. It was a frog I've been putting off for a while.

    I've made a tech leap as I used to have paper tickets but now I use my phone with a code and I am quite relaxed about it when I hated it to start with. I also do my returns using a code on my phone

    I didn't eat well yesterday. Too many crisps as my meal wasn't ready. If I always had nice apples or humous olives and veg sticks, hm soup it wouldn't happen so today my mission is to buy some nice apples and make a batch of humous. 

    I've done 2 wash loads and will prep tonights meal this morning too

    I'm having fresh raspberries with my coffee for breakfast and a Manx kipper late morning :)   

    Hope everyone has a decent Sunday 



    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,235
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    Well done on the tech leap
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • mark55man
    mark55man Posts: 8,221
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    well done on the kipper - vastly underrated
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • lianne1984
    lianne1984 Posts: 303
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    Good luck with the conversation re paying back, those types of things are never fun.
    February NSDs: 0 / 10
    February PADs:  2 / 29
    February Groceries Challenge: £59 / £250
    February Make £5 a Day: £255 / £145
    Current Debt: £3159  | CC £1490 | N £571 | C £725 | E £373
    Weight Loss Challenge 2024: 0 lbs

  • some ups and downs. But you sound very zen about it 🤷
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