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In the Meantime

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  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another good haul in the veg box!  I've only managed to get one once.

    Good idea to have a holiday.  I always spend the last few days of the month dreaming of what I'll do with my big PB win :D  
    "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
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    It does consume life looking for somewhere.

    We all dream about a big PB win!

    Where you thinking for the holiday?

    Your F&V box was fantastic and some great soups made from it.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think the holiday idea is a good one. Better than feeling on a circling pattern constantly waiting to land.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • doingitanyway
    doingitanyway Posts: 10,131 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 5 June 2024 at 9:30PM
    jwil said:
    Another good haul in the veg box!  I've only managed to get one once.

    Good idea to have a holiday.  I always spend the last few days of the month dreaming of what I'll do with my big PB win :D  
    Thank you  :) I hope your PB dreams came true!
    It does consume life looking for somewhere.

    We all dream about a big PB win!

    Where you thinking for the holiday?

    Your F&V box was fantastic and some great soups made from it.
    Thank you, yes great soups planned  :) 
    Hope your PBs gave you a win...
    My holiday plans were knocked off the schedule!
    I think the holiday idea is a good one. Better than feeling on a circling pattern constantly waiting to land.
    Thank you :)  I've been too busy to plan hols and events have taken over on that front 

    So, firstly I think I can have the cottage in the country for a few weeks so that will be my holiday at the end of the month. I need it and it is mates rates so affordable. I can take a bus to the coast so will use it as a base for days out. Longer term I would like a holiday abroad but may need to wait until I know more about my operation that should be this year sometime...

    On the subject of homes. I viewed two and neither was right for different reasons, so I am no further except I discovered a few new roads that are possibilities. It was a very tiring, expensive trip. I feel like I went hunting and returned empty handed!

    I'm embarrassed to say how much was spent on snacks, drinks, and food. It's different when the food is lovely and a treat but it wasn't. I ate badly. Lots of sugar and processed nonsense. But back on track in the morning...

    I had zero for PBs and a tiny win last month so need to rethink and move things around a bit. I don't have a current ISA so that might make more sense as it is guaranteed and there is no interest to pay.

    Off to check other diaries


    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
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Cottage holiday will be refreshing.

    Sorry the viewings left you empty handed and food dissatisfied.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Good you found some new roads to look .
    perhaps a review of the area/criteria could open up more opportunities 
  • beanielou
    beanielou Posts: 96,017 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Would the flat be to buy? 
    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.
  • doingitanyway
    doingitanyway Posts: 10,131 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou said:
    Would the flat be to buy? 
    Sorry for being unclear. No, it would be to rent until I can complete on a home to buy.
    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
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