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In the Meantime

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Comments

  • Loving that final line in your post.  We just need to keep it in mind.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Temporary budgets are definitely necessary. I started thinking of it in company terms, like having an operating budget
  • doingitanyway
    doingitanyway Posts: 10,207 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @jwil I do feel very up and down of late. 
    Thanks @in_need_of_direction we do need to keep it in mind. I do believe it will be well :)
    Thanks @WelshmansDaughter a temporary budget is indeed an operating budget. I like that analogy  :)
    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) 25/072025
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the trip goes well. 

    Good luck with the house offer. 
    Achieve 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 13/9/25
  • Ha even Lidl has a courgette glut.

    If you keep salad veg like spinach leaves in water in the fridge they last a week or more.
  • doingitanyway
    doingitanyway Posts: 10,207 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @WelshmansDaughter I love this time of year as I would eat courgettes every day if I could. I think veg lasts longer left in the dirt they grow in, wrapped in newspaper and washed when they are needed...
    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) 25/072025
  • beanielou
    beanielou Posts: 96,208 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I love courgettes.
    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.
  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I think I need to rethink my opinion of courgettes! I never know what to do with them and had a few bad experiences with them a long time ago (eating out) which put me off so much that I have never cooked with them myself. I’m going to look up some recipes and have a go as you’re all making me think I must be missing something 😁
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • jwil
    jwil Posts: 22,274 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm not a huge fan of courgettes, though will eat them.

    Well done on the productive day and salad spinner bargain!

    I don't think 5% is a cheeky offer at all, I think it's reasonable.
    "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
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