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In the Meantime

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Comments

  •  need to be super frugal this month without feeling so deprived that my-woe-is-me behaviour kicks in, leading to a splurge or low mood.

    This 🤯
  • i'd also add putting uncomfortable shoes beyond use
    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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • doingitanyway
    doingitanyway Posts: 10,332 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    i'd also add putting uncomfortable shoes beyond use
    True!  :smile:
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sorry to hear about savings. It is very hot here again today so I am sat inside now in the cool. Bacon joint and broccoli were bargain prices 😋
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • jwil
    jwil Posts: 22,411 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about the savings, but better to pay the survey and get it done rather than struggle to find somewhere else.  
    "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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you couldn't pay how you expected. Lots going on. Glad you have your time away coming up.
    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 10/10/25
  • 24ta
    24ta Posts: 268 Forumite
    Part of the Furniture 100 Posts
    Sorry to hear about the savings, the good news is that through your planning and hard work you had savings and the survey can go ahead 😊
  • Sorry to hear about the savings and surveyor not accepting CC.
    As you've an abundance of rice make a couple of risottos, we've done it with all types of rice.  If you've got pasta, go traditional Italian style with a small amount of sauce for flavour.
    You'll get through this month and be stronger for it.
    Mortgage started 2020, aiming to clear 31/12/2029.
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