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In the Meantime
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Enjoy your holiday.
Hope the counseling goes well and step away from the plants, pick one up next time instead.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks @Brie and @MovingForwards I probably will buy a houseplant
I know, but they seem to be making me happy at the moment so I'm going with it....
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 -
...they can grow on you 🪴😼6
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Enjoy your housesitting"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 McGee3
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Thanks @another_casualty and @jwil
Today did not go according to plan. I picked up my dry cleaning, made a visit to find a resource for my work and visited a friend. All great, but I missed my counselling so really a big fat fail. I will call the counsellor tomorrow and try to rearrange
In the cs I picked up a beautiful bone china cup Kath K 50p and an old style table cloth very vintage and good cotton for £3
£4.75 spent on fares. Coffees and food out avoided.
£16 on food and flowers for my friend
£12 on health shop food.
£36.25 spent in total. If I hadn't recorded it I would have guessed at £25 maximum!
I wanted a massage but the cost was £75. It was agreed I could have it for £65 but still too expensive for me so I called my training college and I have an appointment for the beginning of May for £18. Also booked a pedi/mani for next week. £20 for both. Really pleased
Tomorrow will be a spend day as meeting a relative for coffee.
Hmm, could do better...but hey ho.
Hope you had a good day reader
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) 25/0720256 -
Hope you manage to reschedule your counselling.
Sounds like you are benefitting from the time away even if things haven't quite gone to plan.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 13/9/255 -
@doingitanyway I've had this with eyebrow waxing! The salon owner insisted that she knew better than I did how my eyebrows should be...I never went back. I must say I'm confused by the attitude of your current host. Why do it if you're going to behave this way?! You will find your home and in the meantime are handling everything brilliantly. Love Humdinger xx6
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Thanks @savingholmes I am enjoying time away
Thanks @Humdinger1 My salon owner has lost a customer too! Thanks for the lovely encouragementx
So, today I had spent a wonderful few hours with an older relative. So nice to sit in the sunshine and have coffee and a chat with him. I'm hyper aware that times like that are precious and it is a generation that won't be here forever
Counsellor was ok about missed appointment yesterday and we have another appointment next week
Nothing suitable has come up house wise this week yet
Froggy email replied with a froggy-to-read reply...will have to let that one go...
Still managed to be spendy. Nothing on fares as I walked everywhere...
But, £4 in the cs (going daily as not in the area all the time now and it is my fave cs...bought some beautiful stationary items. The big spend was £40 not on me but on relative. I don't regret that spend. Then £15 on food (includes a free range chicken) Then water and fruit in greengrocers £5 So £60!!!
Hmmm, another not great day spending wise. When I'm at the club I take food and have very LSDs so not going to worry too much...back to that life next week...
Tomorrow's frog is to sort out a life-admin issue I've been putting off...
Hope you had a good day.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) 25/0720256 -
It is such a beautiful day here.
I had a frog to eat and ate it before 10am! I had to pay £70 to get it eaten, so the spending continues. Then coffee (but no cake) £3. Then some smoked mackerel purchased £10 and then some bits and pieces another £10 So, £93!!!! The £70 had to happen but the £23....
I did not spend at the cs today. That is something...
I still have the dental frog...
Has anyone any experience of M0nz0 video that you have to do to join. I want to open an account but I must admit that bit is putting me off...it is a frog that has been crouching down and hiding...
Hope it is sunny where you are too. It makes such a difference
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) 25/0720256 -
Believe me, I'm the most camera shy person out there and it was relatively painless even for me. It's micro seconds and I do love my monzo pots... I did hesitate for ages, but did it early one Sunday morning in my pyjamas with my hair all over the place, and nothing bad happened. A frog worth crunching, I think7
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