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Comments
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Have you gone awol again DIA?3
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savingholmes said:Well done on the tech leaplianne1984 said:Good luck with the conversation re paying back, those types of things are never fun.WelshmansDaughter said:some ups and downs. But you sound very zen about it 🤷mark55man said:well done on the kipper - vastly underrated
Thanks lianne1984, I had the conversation. It was difficult but I'm hoping I get the money back...
Thanks WMD yes, that sums it up. I am feeling zen...or resigned, or defeated, not sure...it varies...
Yes, Mark I do love smoked fish, especially kippers
I'm reading @WelshmansDaughter I just can't muster the energy to update. However, a brief update...
put off posting by new MSE website
No home yet, one possible hoping to view next week
Paying off my CC bill in full after a small unexpected windfall
Very restful rural break.
Had a successful haircut
Creative break coming up in a few months (hoping I get a grant...)
Mindful eating and drinking
Swam this week!
Will be posting more often once I shake this meh-ness...swimming will help
Happy weekend everyoneIf 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 -
Feeling meh! is relatable and sometimes just your own way of taking a break from it all.
On another thread (another forum in fact) a poster was worried about not getting his next property underway - the overwhelming advice was to persevere but keep generating interest on the money he had got from his previous sales and that it was unlikely to be eroded in value in terms of house price inflation - if anything things would become more affordable
I know your own experience may differ, but I just hoped it may reassure you that although you want to get on with your life, you should not feel your situation is worseningI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
PS from Red Dwarf - https://tenor.com/en-GB/view/red-dwarf-ace-rimmer-rimmer-smoke-me-a-kipper-gingermofo-gif-14902513I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
Glad the break was restful and fingers crossed for the grant.
Keep up swimming as your inner calm resets, factoring in feel good fun helps.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Lovely to hear from you again. Congratulations on your windfall.
Glad you had a lovely break, and hope you feel a bit better soon."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 -
Good news about the small windfall and that you’ve put it to good use.Nice to see more 🙂 than 🙁 in your list.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Something I am learning- home is in the mind. A house is a place to live4
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Whoops posted too quickly there is a small nephew running around and now I have lost my train of thought entirely2
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Great news on the windfall.
Good luck with next week's viewing.
It is definitely swinging to being a buyer's market so hopefully things will go in your favour soon.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 10/10/251
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