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In the Meantime
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I'd forgotten that I even did the Monzo video, so it can't have been that traumatic.
Have a lovely weekend."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 McGee6 -
I hate those kind of checks too but they seem standard currentlyAchieve 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 13/9/256 -
I did one for FD.
WAs fine.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.6 -
Thanks everyone
You all make complete sense. I have a bit of a block with being filmed and uploading confidential documents, but it is the future! Will leave this frog for now
So, another week of no suitable properties...
A week of spending too much, not working and spending time with family. I've enjoyed my week. However, I'm looking forward to getting back to work next week. Not so much looking forward to being back where I am staying. That is life! Nothing is perfect.
I've picked up some small containers for snacks and to keep vitamins in.
Next week I will be focusing on a very low spend week! Yes, I will be having beauty treatments but using the training college so that keeps the costs down.
The very expensive bread I buy has cut out a slice without reducing the price. It is now therefore £2.50-£2.99 for 4 slices the size of the palm (not fingers) of one hand. When I have my own home I will be baking once a week as that is ridiculous!!!
Also noticed a cleaning product that used to be £3 is now £3.50. A FR chicken is the same price but much smaller. I can really see food and household products are becoming more expensive...
Things are far from great, but counting my blessings
I hope you are all having a lovely sunny weekend
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) 25/0720258 -
Good luck DIA - its a hard old time and that's for sure - but counting your blessings is a good thingI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Enjoy your work next week and hope the beauty treatments balance out the not so good bits of the week.Fingers crossed for better news about possible houses.5
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Thanks @maggiem and @mark55man
I woke with a massive headache as I had not eaten enough the day before. I had breakfast and it was gone in 30 minutes. Silly on my part and the result of trying to do too much yesterday. Got back late last night.
Today I took it easy and stayed local. I have 2 salad boxes prepped and the bread issue has been resolved by using lentil pasta in my salad box so no need for bread. Used soup maker and have 5/6 portions of soup...courgette, lentil, miso, ginger and garlic. Came out great.
Reorganised the space I had. Friend/host was nice today
I saw a moth in the room today, so must get some cedar blocks for my clothes...
Good catch up with my mum
There is a relative that I need to support financially on a monthly basis so will need to work harder on looking for a job as currently I can do it, but life has to have space for treats and fun too.
Hope everyone had a good weekend
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 the week ahead goes well DIA 😼You're still handling things well . Keep going ..4
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Thanks @another_casualty I appreciate your consistent support and encouragement
I am typing this with lovely nails and tidy eyebrows. The girl that 'did' me was lovely so I gave her a tip of a few pounds. I go back next week for my feet to be doneI booked massages for May and June too.
Picked up some ys bits and bobs and a few not-ys bits too.
Took a packed lunch and some fruit. I have lunch ready for tomorrow.
I had a coffee out that was good. Besides coffee, no money wasted...
Thinking about the M0nz0 frog I plan to use a second account that I have that are known for having a decent app. I can use it for discretionary spending. It is still a frog to get the app set up but it is a lesser frog
Hope everyone is well.
Off to catch up on some 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) 25/0720255
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