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In the Meantime
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Yesterday I spent half the day waiting for a delivery. A no show
I visited with family and kept going with the great declutter
I had an email yesterday night saying it would arrive today.
Today the item arrived. Wrong size so returned it. A train to the shop. None in stock. Got home and went to order the next size, but it has gone. I feel I have spent a lot of time trying to buy some walking boots so I can walk more, and yet here I am, empty-handed…
HOME
The flat is doable, just about, so I will be moving in. I dropped how much I will be paying to make it work. We are both happy with the arrangement. I will have 250 a month for food, travel and all my personal needs. It has to be enough…It will be for under a year I hope, so no need for clothes or big purchases. I just need to keep ticking over…
I have the country house my friend offered too. I won’t have to pay much to use it. So decided to stay there for a 2 week break during Feb and cancel the retreat. I have a non refundable train ticket wasted at 60.
That is a very big waste of money, but overall I will still save 350 by not doing the retreat.
A friend will pick up a big box of my stuff and all the newly acquired plants I have next week. She will store it then drive it to my new permanent home when I get it.
MSE
Made stock
Instead of buying coffee and cake out, I bought some cake and had it when I got in.
Ate from stores; kipper, chickpea pasta, mushrooms and kale. It was quite nice actually
I am making progress although I haven’t eaten the frog yet, FRIDAY is the day for that…
Tomorrow is busy too. Travelling to the cs to see if they will collect stuff from the flat. Then to the storage unit, visiting a friend and cutting a spare key. Will make soup tonight and pack some to take with me tomorrow.
It has turned very cold. My joints don't like it. My neck is stiffening...Oh well...
I will read diaries later tonight.
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720259 -
Good that you have a plan you are comfortable with. Really hope the rest falls into place for you soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Good news about the flat.
I've seen train tickets for sale on FB and the like before, maybe it's worth giving it a shot? Even if you only get part of the money back it's better than nothing."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 McGee7 -
Mostly positive steps from what I can see
Having the flat then onto the cottage are major pluses in terms of stability and planning .Good point regarding tkt from jwil
Not sure if the train line website is worth looking into also. The prices for tkts vary and some can be mega expensive and others bargain prices.
It will be very cold ..then wet☔️Then milder by weekend apparently. Oh , and still wet ( sorry😺)7 -
Perhaps look at d3cathl0n for boots or buy a sturdy pair of trainers if it's normal walking not hills etc.
I'm pleased you've sorted the flat and cottage out, they will provide bases to rest and clear your head.
Try and make time for you over the next few weeks.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks everyone
Good idea jwil about selling on the tickets...
So today I visited the cs who are unable to arrange a collection. DS will be coming here at the weekend to bag all the clothes and help clear the place out. The process reinforces my desire to live with less stuff. Clearing another person's possessions is destabilising...
I took large suitcase of my possessions out of the house to store. l left it in a friend's spare room. I will take to to the unit another time.
I made soup that tbh isn't that great. hey ho.
I spent on a bottle of wine and some nibbles for my friend, add in fares and some impulse sm buys.
My final confession...I left the charity shop with a beautiful 1930s vase. It is so beautiful. The plan was to give it for a present but I do love it. It was in the shop for 80 before the break. I couldn't justify it but today it was 20 and I cracked
New, but different, walking boots ordered...
Tomorrow will be a NSD or at the very least a LSD
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Make it a LSD as you are going to need some lovely flowers to put in your new vase - will uplift you in a way that only beautiful things can doI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine13 -
Sometimes we try too hard resisting things which bring pleasure. In this case your vase was a bargain and you need the positivity radiating from it.
Factor in some fun money otherwise you're at risk of doing a regretful spending purge.Mortgage started 2020, aiming to clear 31/12/2029.8 -
Great deal with the vase . I would have done the same thing. 😼7
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Do we get to see the vase??
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