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
-
Thanks @maggiemmaggiem said: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.
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) 25/0720252 -
So the survey is today.
I also move out today.
Just back from the CS after donating 2 bags full...amazing what you accumulate...
I have calmed down a bit. I had an early night last night.
I'm on camomile tea. When I had my last migraine I went off coffee for a few days and I have not gone back on it.
I love coffee but it definitely makes me feel edgy, so giving it a rest for a while.
My new friend drinks daily and even when I try not to drink I do as it seems impolite not to join her. Sometimes I like to have a glass of wine or two but anymore than one glass leaves me feeling a bit 'off' the next day and unsettled and I need to be settled right now...
Money wise, it all seems to be coming together. I got a bit more money than expected from a few sources. I now have just about enough to pay for the house purchase without going into debt. That is what I wanted. My income is small when I move until I find a job, but I did a budget after checking my C/T and I can do it, although I will go into debt with my fuel I expect.
Have a good weekend all.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 -
Hope the survey and the move goes well. Good that you can pay for the house without debt."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 McGee4
-
Fingers crossed for the survey.
Perhaps a small decaf and wine spritzer are gentler, or even have a fancy herbal tea and soft drink mocktail during the communal social times.
Hope your move has gone well, bringing new energy and positivity.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Positive vibes 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 -
Fingers crossed for a good survey. Have a good time in Devon.Life is an adventure, never stop exploring.3
-
~Good ideas from MF regarding the drinks.. you shouldn't feel pressured into doing something you don't want to.Hope all's gone well today. (((hugs)))XXI 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 unhappy4 -
Glad your budget is looking okay and you've had extra £ come in.
Lovely to buy a house for the equivalent of / actual cash.
Hope you have a lovely time in Devon.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 -
Good luck with your survey and your move 😊0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Hope all is well with you. XXI 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
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