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
-
Well done on taking a day to refresh.
Paydays best day of the month
2 weeks off mine...
Glad things are moving with the house even if more slowly than you'd like.
Great news on YS haul.
Achieve 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 10/10/252 -
Glad you are ok. Sorry to hear work is tough, but well done for taking a break and sticking with it for now."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 McGee2
-
It can be hard to work especially after doing something particularly meaningful like caring.
Like I tell Dad, it's the thing you're doing to get from one thing to the other.
If all else fails there's always caffeine4 -
Thanks @jwil and @savingholmes.
Thanks @WelshmansDaughter...the job is hard partly because I promised myself creative freedom after the death of my relative... the job won't be forever...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 -
So today I spent 4 hours travelling in total. Dead, stressful time wasting...I do feel annoyed but trying to keep my frustrations under control. So far I have been able to 'talk myself down' from my sod it reflex...
I am applying for a 2 day and remote post. I'm not 100% confident I meet all the spec but giving it a go. Deadline Friday so need to do 50% of job spec tonight, same tomorrow. CV more or less ready. It makes me feel better to do something about my job situation even if it comes to nothing...
House wise, I received paperwork for L3 survey when I want a L2. I can pay extra for a valuation but not sure I want one...will call the surveyors tomorrow...
I spoke to my old CU. After my next payday I will apply for a loan. I will save with them again until then. They are great but very hard to get through to but that is not important right now.
I also chased an email from the sellers, I haven't actually received, despite it being referred to.
Tired again. Struggled to get out off the house today. Off to do half of the spec for the job.
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Keeping my fingers crossed that sonething better, job wise, comes along quickly, Sending (((hugs)))XX
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 unhappy3 -
You are good at hugs Chrystal. Thank youChrystal said:Keeping my fingers crossed that sonething better, job wise, comes along quickly, Sending (((hugs)))XX
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 -
Keep plodding 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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Your sod it is a lot politer than mine!
It's a long commute, can you find something to fill your time so it's not such a 'waste', whether it's listening to podcasts, doodling or writing plans / ideas of things to do the weekend.
Good luck with the application. Dig deep and find a transferable skill to closer match the ones you don't, but not having 100% isn't always an issue.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks MF. I can see what you mean but too tired emotionally and physically to relax. Also the journey is crowded and unpleasant. Eyes on the prize...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
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
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards