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Thanks @MovingForwards
Thanks @WelshmansDaughter. I am looking into an app for another bank account I already have. It might be sufficient for my needs... 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) 25/0720253 -
After all the positivity, I hit a wall today. A letter threw me off balance...
Sad about my relative. Worried the house won't go through. Worried about finances. Dreading going back to work tomorrow. Dreading another funeral. And tired of the effort, just plain tired.
All I can do is keep going and assume the seller will actually sell. She is at least making all the right noises.
I shall blame my mood on the heat...
Hope everyone had a more positive day than I had.
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) 25/0720255 -
Sometimes it's hard to be positive all the time
Keep plodding xI 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 -
The heat is enough to throw everyone off balance. Our bodies are fighting just to keep us cool never mind do anything.
Be kind to yourself and take it slow and steady if you can. Wednesday the heat is supposed to reduce. Let's hope.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 13/9/253 -
It is the heat and does affect how we cope with things. You're going through a lot in one go, which isn't easy.Mortgage started 2020, aiming to clear 31/12/2029.4
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Sending gentle (((hugs))) and reminding you how fabulous you are, and how well you are doing. XXXX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy5 -
You need to read through your old diary and take credit for how much you have achieved. Everyone hits a slump. Just accept that and move forward when it’s cooler.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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Hopefully the letter is not as bad as at first thought ..
Echo what everyone else has already said .
By the end of a seriously trying week, you should be back to being focused and hopefully less tired and hot ..3 -
Sometimes it's all just a bit much. Do what you can to take care of yourself, and hope things ease soon."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 McGee3
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Thank you @beanielou @savingholmes @MovingForwards @in_need_of_direction @another_casualty @jwil @Chrystal for your support
The funeral went well. My relative had a wonderful funeral. There were hundreds of people and only standing room in the church. The only thing missing from the party afterwards was my relative who would have loved it. I feel a sense of relief it is over. We have done this 3 times in 8 months. We need time to recover this time so I am hoping this is it for a while.
I finished week three at work. Still hard and frustrating. It is very intense with barely time to look up. I will keep to the plan and stick at it until Christmas. By then I will be safely in the new house (I hope) and will understand my budget
Inspired by @jwil I set up a daily PAD of £2. I spend £15-£20 a week on coffee so today I am buying a new flask for coffee and in addition I have a cafetière and coffee at work in my drawer so I can have one there instead. The PAD should create a little buffer in my savings account.
Counselling yesterday, but this is coming to an end so I need to look at other ways to support myself.
I am trying to keep weekends free so I have no real plans this weekend other than relaxing. Off to have coffee (treat and it is a planned weekend coffee so ok) and to buy flask and a few toiletries.
House progress? Searches paid for and being carried out.
Wishing everyone a lovely weekend
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) 25/0720254
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