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  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Maybe make a day of your visit, bit of exploring, coffee and cake and change of scenery.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    MovingForwards said:
    Maybe make a day of your visit, bit of exploring, coffee and cake and change of scenery.
    Thanks. Yes, if I go that is what I planned to do  :)
    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) 25/072025
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your week goes well.
    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.
  • doingitanyway
    doingitanyway Posts: 10,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Feeling a bit weird. About to move out out of here and into another friend's house. Then off to Devon next week. Then, maybe into a more permanent home soon too. All the moving about is stressful and I feel very unsettled. 

    MSE wise it is dawning on me that I have such a small income when I move! I need to find an income stream! I can't focus on everything at once but I've seen something so thinking of putting a day's work in when I get back from Devon to get the form done. 

    House-wise the survey is on Friday. Hoping I have enough money to pay for it from cashflow. Hoping nothing worrying comes up.

    I spent poorly today. It's like the old days when I was getting out of debt. Tea, coffee, breakfast, fares, little SM shops and that is £30 down very little to show...I really do need to get serious about budgeting my money, or I will be in trouble when I get to the new place.

    On the positive side I feel SO MUCH better than when I was doing that 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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The right job makes a world of difference. 

    It's natural to feel out of sorts with all the moving you are doing. Hopefully you'll be settled soon and then you can come up with money making plans if needed.
    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 13/9/25
  • doingitanyway
    doingitanyway Posts: 10,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    savingholmes said:
    The right job makes a world of difference. 

    It's natural to feel out of sorts with all the moving you are doing. Hopefully you'll be settled soon and then you can come up with money making plans if needed.
    Thank you. I'm sure that's right.
    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) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    After moving into your home, that's the time to look at additional income streams as you'll have a permanent base and know where is viable to get to. The last thing you want to do is secure something great, but the post move commute makes it untenable.

    Hope your new digs is a better experience from the off 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,259 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's definitely unsettling with all the moves, but hopefully not too much longer now.  Glad you are feeling better having ditched the job.

    Have a lovely time in Devon!
    "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: 10,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    MovingForwards said:
    After moving into your home, that's the time to look at additional income streams as you'll have a permanent base and know where is viable to get to. The last thing you want to do is secure something great, but the post move commute makes it untenable.

    Hope your new digs is a better experience from the off 😊
    Thanks MF. I'm only looking for remote jobs that are 2 days a week. That is quite specific, especially if you add in the type of work I want to do, so I might have to apply when I see a job that fits my needs. Ideal to look later, but will need to apply when I see something suitable. 
    jwil said:
    It's definitely unsettling with all the moves, but hopefully not too much longer now.  Glad you are feeling better having ditched the job.

    Have a lovely time in Devon!
    Thank you. I can't wait for Devon  :)
    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) 25/072025
  • maggiem
    maggiem Posts: 1,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sounds really difficult with all the moves, and this seems to have been going on so long for you. Hope the survey goes well and you can work forward to a moving in day sooner rather than later. 
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