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Start with their legs, stops them escaping to mate!
Good luck with the submitted application and the new one.
Don't blame you for keeping a paper trail.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks @savingholmes and @MovingForwards.
I slept poorly last night worrying about the stupid pension. I will still write, but I telephoned (FROG) and explained the situation. I had a good reception and the person I spoke to hinted that this sort of thing was far from unusual. I feel a bit more confident that it will be sorted out.
I started on a HMRC issue. I ate half this frog (the legs @MovingForwards) I will finish this off tonight. I've learnt I have an energy spurt after a rest of an evening...
Today was a NSD but only because there was nothing left in my account.
(Edited to say my CC statement arrived. I am a few pounds in credit and determined to keep it that way. Feels so good not to owe on it!)
I will be visiting the area I want to live in to view 2 houses at the weekend.
I arranged a weekend away with a friend at the end of the month. We will eat a Michelin restaurant very near to where I want to live and spend the weekend pretending I live there!
There should be something in my account tomorrow...
I am ending the day in a much more relaxed state of mind.
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 -
All sounds good DIA 😼
Nice idea about the break , and possible viewings . Keep fingers crossed for everything 🤞and carry on with the frogs 🐸3 -
That's a great start and you'll soon be stopping the frogs. Small appetite have the legs, bigger appetite have the body.
Weekend away sounds good. I'm looking forward to hearing about the posh food and your adventures.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Unless DIA is careful eating frogs could become an actual thing at her Michelin restaurant
ETA - there is a Dudley Moore/Peter Cook sketch about Frogs a la peche, and peche a la frog - I wouldn't listen to it !!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine8 -
Well, it was only a matter of time ...7
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Enjoy your breakAchieve 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 -
Good news on the pension and have a lovely time on your break.🤣 to @another_casualty's post!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
re your pension - double check they are using the correct Normal Retirement Date. Mine kept telling me silly things and saying my NRD was at 65 despite me repeatedly saying i was sure it was 60. And i was right. took them yonks to agree as they didn't see that I was in a slightly earlier version of the scheme - my OH is in the later version and his NRD is 65.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅4 -
Thanks everyone
The posh restaurant is very MSE as at lunch there is a 2 course meal for £15. It all be a real treat!
@another_casualty Haha good one!
@mark55man you are on form!
@savingholmes and @Seasidegal58 It won't be until the end of the month but that gives me something nice to look forward to!
@Brie It may well be that. I will keep an eye on the NRD issue.
Today I had a beauty treatment. Just eyebrows for a few pounds. They look fab. I am concentrating on self care and wellbeing and it is definitely making me feel better!
Picked up some YS bits and pieces to celebrate having funds again! The NSD yesterday was tough. It shouldn't have been. Obviously out of the habit!
No frogs eaten todayIf 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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