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Hope you have a good week"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 McGee4
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Glad that you are managing to make the proverbial lemonade. Good luck with all your creative projects.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 13/9/253 -
I had my counselling yesterday. It was really helpful. House plants are sold from the building counselling takes place. I bought two! A lemon geranium and an aloe vera.
We picked up the ashes. Not as bad as I thought. It felt like another ending (there are so many)
The plan was to sort the tree next but I was tired and had not slept well so I have changed that to next week to deal with. Another week will not make a difference. (Being kind to myself...)
Yesterday I took a photo of some info for my creative thingy. I attached to my email then sent it to the organisation. Another techie first
I tried eating the financial frog yesterday. I held for 50 minutes only to be told I needed to be transferred to another 40 minute wait. I held for 40 minutes and then had to terminate the line as I was due for counselling. Very frustrating. Today I ate the financial frog. Took 50 minutes in total.
Saw a house that is lovely, but is on an A road so not suitable.
Today I am still tired so I took a nap! Refreshed now. Planning to do my hair, tidy room and read later.
Hope everyone is ok
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) 25/0720257 -
The hardest part of grieving is getting over the guilt of whether or not the right things have been done at each stage.
Great choice of plants, you'll smell the geranium leaves in your room.
Call waiting times are getting longer, well done for eating the frog.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
Well done on the financial frog.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.5 -
It sounds like you are doing really well in difficult circumstances. Being kind to yourself is always a good call.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 13/9/254 -
All sounding positive ,and your persistence is paying off . Keep going 😼..4
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On March 6th I said I was thinking of applying for a creative thingy and had the above response from @MovingForwards. Just to show I listen to my virtual friends I applied straight away. Just had an email to say I got it. I saved £750 as a result of my application and I have something exciting to look forward to in the late summer. Very pleasedMovingForwards said:
Forget about thinking of applying, just do it if it's beneficial.
Today I made myself scare as there is work being done on the house. Same tomorrow. I felt like a spare part and a bit sorry for myself. Tomorrow, I'm going to do some project work in a library and will also buy a few essentials at the health shop.
I have been very MSE as I've had very little money for the past few days. I made do! I have 57p left to spend but tomorrow I'll have a few more pounds in my account. I am living near a Ald1 and it is a great help. Another tight week on the cards coming up, but I don't want to spend on my CC.
Thanks @beanielou, @[Deleted User], @jwil @another_casualty, @savingholmes and @MovingForwards for your posts
I hope everyone is ok.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) 25/0720257 -
Congratulations! I'm so pleased for you, have some virtual flowers 💐 as a reward.
Take a drink and snacks with you, if the weather is dry find somewhere to sit and enjoy it.
Frugality now will pay dividends in the future, while reassuring you can get through lean times.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Great news on the £750. Keep ploddingAchieve 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 13/9/254
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