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In the Meantime

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  • beanielou
    beanielou Posts: 96,127 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the jumper.Enjoy  :)
    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.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Write a frog list of the places you can get money / grants from and work your way through them. You're every bit as deserving as the next person.

    Bargain jumper, seems like you've a fantastic CS.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just catching up .
    You are still active on so many levels with everything . In a way this is a good thing , as you won't have time to dwell on the knock backs and can keep pursuing jobs/ goals / home etc. Frogs 🐸are being eaten and hopefully things improve quicker .
    Yes, the CS sounds a good one . 
  • Seasidegal58
    Seasidegal58 Posts: 6,102 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I love my monthly pedi too! I feel very relaxed and pampered when I'm having it done - the painted toes look so much better now we're getting into sandal weather!
    I hope the house is a potential when you call tomorrow. 
    Good idea on the gallery or museum membership - as you say these are good value if used frequently. 
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 96,127 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    With you on the life admin & paperwork.Sigh.
    It never ends  :(
    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.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Pampers are great for lifting spirits and increasing feel good endorphins.

    Is there any way of eating tadpoles and not letting them grow to frogs? Perhaps they'll be a little easier to deal with.

    Come on DIA, get the application in. No more procrastination.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,183 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @Seasidegal58 I've booked another pedi for next month. One of the girls is doing treatments in her home at the same price as the college. Clever girl. So, I will be able to have a monthly pedicure when the college closes for the summer  :)

    Thanks @beanielou it is truly never ending!

    Thanks @MovingForwards. It isn't a matter of eating tadpoles. Life is presenting me with frogs fully formed so I have to find a way to eat them!

    Back here to report I have just finished an application form. At last!... Not due until Friday. I will download the next application and start that tomorrow

    The frog for tomorrow is writing to pensions. (Want to keep a trail so not phoning.)


    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the pamper. We all need that at times.

    Good luck with the pensions - sounds scary.

    Hope that your form filling bears fruit soon.
    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 13/9/25
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