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In the Meantime

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  • doingitanyway
    doingitanyway Posts: 10,925
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Forumite
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • beanielou
    beanielou Posts: 101,428
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador
    Sometimes it's hard to be positive all the time  :(
    Keep plodding x
    I 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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan.[/b] [11 months left.[/b]
  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    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
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • MovingForwards
    MovingForwards Posts: 17,183
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    Forumite
    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.
  • 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.  
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • 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 ..
  • jwil
    jwil Posts: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    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 McGee
  • doingitanyway
    doingitanyway Posts: 10,925
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Forumite
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
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