We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
In the Meantime
Comments
-
another_casualty said:Everything sounding great DIA 😼
The only thing I'd advise , is to not go without breakfast on work days. Have something, no matter how small. Otherwise you may get headaches / feel giddy etc.
As to the supplements .. some are best had in morning or lunchtime . Some with meals
You probably know better as to what you're taking etc.
I couldn't take berocca at nighttime for example ,as I'd have trouble sleeping .I'll leave it there ..😼savingholmes said:Is doing WFH at the club you joined an option? Is that closer?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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
I'm so pleased to read your work week went well DIA!😀
And what a bargain on the scarf - £2.50 against £45! A no brainer there!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
All good except the PO didn't work out and I need a label but still went so crossing it through
- shop for the week's lunches (early in the morning)
- PO to return clothes
- Iron outfits for the week
- Update travel pass
Next week should be easier as I have a conference and then off the next day. I've been offered some training. I'm going to say yes as it will update my skills but also vary my week.
Hot and tired, tired, tired!
Tomorrow I need to be early as I'm now getting in at 8am so need to be at the station at 6.30. Off to make tomorrows lunch.
No house or MSE news except I can't believe how little money I have left to see me through the week...
Hope everyone has had a good day. Stay cool!
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Overnight oats in a jar type thing maybe?4
-
Sounds busy. It will help when you get your first payAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
It won't be for much longer and the pain eases payday!
Eat little but often, keep energy levels consistent and that's one less struggle each day. Prep food the night before, have snack tubs and plenty of your favourite drinks. Sma things make a difference.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks everyone
I am at the week 2 finish line! This week was easier than last week.- I changed my route and clawed back an hour a day
- I changed the working day 8-4 gives me a longer evening
- I have an agreement to work 1 day from home next week due to the heat. My plan is to make it permanent!
- Buy a flask for coffee to take to work
- Have packed lunch in garden near work
- Once a week (instead of every day) go to lunch in nice cafe
- Stop eating daily cake.
- Eat the M0nz0 frog so I can organise my spends
- Chase labels for returns
- Book tickets for travel next month
HOUSE- Heard from solicitors. I have a copy of deeds now and fixtures and fittings list. Vendor is leaving almost everything in terms of fixtures and fittings including all kitchen white goods. That is a big help as I don't have any! I will be applying for the searches on Monday.
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Great house news.
Sometimes we have to just to do what we need to do to survive.
Enjoy your weekendI 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.3 -
With each week it gets easier, you're adapting and working out ways of making it balance.
Great news the house is inching closer.
Good luck with the frogs.Mortgage started 2020, aiming to clear 31/12/2029.3 -
What a great uplifting post .
Apart from the funeral hanging over you, everything sounds great and upbeat .
Hope that goes as well as it can .
Monday and Tuesday are the worst days forcast for weather 🥵. If there is a way of avoiding work for those 2 days , take it .You'll cope with anything anyway ..4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards