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In the Meantime

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Comments

  • doingitanyway
    doingitanyway Posts: 10,531 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done, let's see what tomorrow's frogs are and how long they don't hang around for 😊 you're definitely focused!
    Thank you. I do feel focused :)  
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done. Glad it went well 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • jwil
    jwil Posts: 22,793 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the training went well :)
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 10,531 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done. Glad it went well 
    jwil said:
    Glad the training went well :)
    Thank you  :)
    Glad the zoom session went well .
    Hope you enjoyed the crisps 😼
    Here’s a frog to eat ..
    Thanks AC, tastier than my usual frogs. I used to eat these when they were 10p  ;)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,531 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 1 July 2022 at 5:02PM

    • Work jackets into the cleaners for clean and repair
    • Telephone HMRC to chase a payment
    • Post office to send letters signed for
    • Create weekly shopping list
    • Finalise outfits for work
    • Check on caterers for the funeral
    So all good today. Ok, I had a headache most of the day, but nothing too bad. 

    HMRC despite telling me last time that they owed me £500 had sent £250 I called to query this. Apparently they made a mistake last time so nothing owed to me  :/

    Everything on the list done except dry cleaning. My jacket is special to me so going to take it to the cleaners I know and trust...

    I bought lots of YS fish, and FR chicken for the freezer. It cost me £30 but everything was 30% off and it was Mr Al so reasonable to start with.

    I am working on an evening and morning routine so I can fit things that are important to me into my week once I  start, almost, full time work. 

    I bought a scarf and a dress for work. Together they cost £120 instead of £280. Still expensive but good quality. I used my CC so will need to clear it when the payment is due

    A relaxed evening planned

    I hope everyone has 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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 2 July 2022 at 7:21AM
    All sounding good DIA 😼
     Enjoy the realaxing evening …
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    full steam ahead!!  hope you week ahead is rewarding and that everyone else makes as much progress as you are
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Belated condolences on your relative's passing DIY. I hope all goes smoothly with the funeral. 
    I'm pleased to read your Zoom call with your new colleagues went well. 👍
    You've been devouring lots of frogs recently - well done!😃

    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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