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Loving that final line in your post. We just need to keep it in mind.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest3 -
Temporary budgets are definitely necessary. I started thinking of it in company terms, like having an operating budget2
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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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Hope the trip goes well.
Good luck with the house offer.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 20282 -
savingholmes said:Hope the trip goes well.
Good luck with the house offer.
Thanks @savingholmes the trip isn't until the end of Sept so a while to go yet.
I still haven't heard re a viewing appointment.
Reading across the threads perhaps offering 5% below asking isn't so cheeky after all?
So, today I had a financial sorting out session. Increased the monthly payment to the exploitative storage company. Set up a few new SOs. Paid off a few things that needed paying off. Paid some money to saving, not enough and hoping to find another few hundred pounds during August.
I have a beauty account that I shared details of on here. Rather than spend money on a present for my housemate I am going to use the saved funds in the account to buy her a present. I am also buying my DM a present using the account. I am going to be in town this week so will try to pop into a gallery, shop, and later I will be going to a book launch party.
I made a delicious courgette, spinach and potato soup today. Courgettes are on offer at Mr L so I am buying lots of them
I bought a salad spinner today. It is very well designed and compact. Keeping salad veggies dry stops them from decaying so quickly and I need my R veg box to last as long as possible! I had a IK£A one that was huge and cumbersome so I sent it a cs. This one cost me £1.75 I looked up this one and it retails for £32 so a good buy
A good, productive day for me
I hope your day went well tooIf 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) 25/07/20255 -
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.3 -
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]3 -
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/p13 -
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 McGee2
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