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In the Meantime
Comments
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Sorry to hear about the job and the creative deadline, there will be others.
GF bread is getting v expensive.
Congratulations on the win and clearing your list.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks @MovingForwards
A good day today. Albeit a bit spendy...
Fares were kept to a mindful minimum but still paid out £7
I had a coffee only all day, as lunch for a tiny frittata and a handful off salad was £13!!!!
I had to go to an A store to pick up a computer bit. Been meaning to do this for ages but now I need it for my trip. Anyway, done.
I bought a top and some jeans that fit me really well, reduced from £55 to £16. Top is linen and cotton and will be cool for my trip, top from £59 to £17.
Picked up a few bits so I can make sandwiches in future. The bread I made came out beautifully. I now need to find a way of buying the ingredients for less to bring the cost of a loaf down...Next I want to bake a GF natural cake...
My host is doing supper today
My fee for the searches came through. He can send a cheque or I pay £35 for a transfer. Fine, I'll take a cheque, no rush...or should I leave it on account so I have a few hundred pounds saved against the solicitors fee for next time?
I will be back with a list of what I need to do next.
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) 25/0720254 -
I would take the £ right now - particularly if you have a CC balance. I think you will feel better with that gone.
Sorry you missed your deadline for the creative project.
Sorry about the job. Just hope a better one is just around the corner for you. I've found job hunting is a numbers game...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 13/9/251 -
Another vote to take the £'s.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 -
Morning DIA , sorry to hear about the job, but your new host sounds very nice so that's all good. Hoping one of the properties you view becomes your new home soon. I think you should take the money as well .Life is an adventure, never stop exploring.3
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I'd take the cheque. Better in your account than theirs!
Well done on clearing your to do list and great news about the PB win too. Sorry about the job though x"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 -
If you'd had an offer accepted it would make sense to leave it with them, take the money and bank it in readiness for next time.
Clothes were a bargain.
Cake sounds good, let us know how you get on and most of all every detail of taste and texture 🤭Mortgage started 2020, aiming to clear 31/12/2029.3 -
Find it hard to believe people still use cheques, especially businesses.
Sounds like the holiday plans are coming on!3 -
Hello DoingItAnyway. Just caught up with this month on your diary. I'll read through the rest though as it sounds like a lot has been happening.
Sorry to hear about the job, but hopefully there are others coming up that you like the look of.
Well done on the GF bread. You've got me interested in finding some recipes for a Buckwheat loaf now.Debt on 01 July 2022 = £42,083.00
Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
Debt on 01 January 2024 = £24,922.36 (-£12,153.51)
Debt:
01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
Current debt free date = 01 July 2026.3 -
savingholmes said:I would take the £ right now - particularly if you have a CC balance. I think you will feel better with that gone.beanielou said:Another vote to take the £'s.jwil said:I'd take the cheque. Better in your account than theirs!
Well done on clearing your to do list and great news about the PB win too. Sorry about the job though x
Thanks everyone. I took your advice and took the money! @MovingForwards, I've yet to start making cakes but I have a chocolate and chestnut flour cake in my sightlineMovingForwards said:If you'd had an offer accepted it would make sense to leave it with them, take the money and bank it in readiness for next time.
Clothes were a bargain.
Cake sounds good, let us know how you get on and most of all every detail of taste and texture 🤭
ThanksSunshine_girl2 said:Morning DIA , sorry to hear about the job, but your new host sounds very nice so that's all good. Hoping one of the properties you view becomes your new home soon. I think you should take the money as well . My host really is lovely. I'm enjoying my time with her.
You were right about the cheque. I misunderstood the other options and payment was speedy, snail mail free and cost free too.WelshmansDaughter said:Find it hard to believe people still use cheques, especially businesses.
Sounds like the holiday plans are coming on!
Thanks for dropping by @DaisyCheerings. Yes, a lot happens in my life. Very rollercoaster but I'm ok and looking forwards. Hoping to have your lifestyle by the sea actually. Determined to get there! I'm baking a chocolate and buckwheat GF cake soon. My interest is naturally gluten free cooking.DaisyCheerings said:Hello DoingItAnyway. Just caught up with this month on your diary. I'll read through the rest though as it sounds like a lot has been happening.
Sorry to hear about the job, but hopefully there are others coming up that you like the look of.
Well done on the GF bread. You've got me interested in finding some recipes for a Buckwheat loaf now.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
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