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In the Meantime
Comments
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Good luck with the frog.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 13/9/252 -
Thanks everyone
Yesterday I met up with a friend. Where we planned to go was closed. So, I ended up paying £15 for a sandwich and a coffee. It was not nice. I don't tolerate gluten so body rebelled too. I realise I eat poorly and drink poorly quite a lot trying to people please. Must stop this behaviour. I'm supposed to be a grown up!
@WelshmansDaughter will pm you re funding
This morning I have signed up for some help with my funding. It will be via zoom. Pleased I won't have to miss out as will not be in the location
I made buckwheat and quinoa bread this morning too. It is a success. I am going to buy a bread tin today so I can make a bigger loaf. Also my host's tin sticks. Going to try lining the tin in brown paper and pulling it up to get bread out. Bread review? Good but next time more seeds, buy whole golden seeds and try buckwheat and fermented teff flour
A quiet day today as no appointments.
Today's list- Buy, cook and eat some leafy greens
- Take vits
- Hoover house for host
- Walk
- Clean/organise my room
- Research frog
- Buy card and small gift and send to friend
- Buy a bread tin
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 -
Bread sounds tasty.
Hope your meeting went well.
Good luck with the list.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Hope you've had a good day "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
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Good luck with the frogs
Home made bread sounds lovely. I'm with you on the people pleasing. Until the last year I was unaware of how much of it I did...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 13/9/252 -
I buy the ready made loaf tin liners, (£land is cheapest), & they cut out all the fiddling around with cutting paper to fit. Works well with bread as well as cakes.doingitanyway said:Thanks everyone
Yesterday I met up with a friend. Where we planned to go was closed. So, I ended up paying £15 for a sandwich and a coffee. It was not nice. I don't tolerate gluten so body rebelled too. I realise I eat poorly and drink poorly quite a lot trying to people please. Must stop this behaviour. I'm supposed to be a grown up!
@WelshmansDaughter will pm you re funding
This morning I have signed up for some help with my funding. It will be via zoom. Pleased I won't have to miss out as will not be in the location
I made buckwheat and quinoa bread this morning too. It is a success. I am going to buy a bread tin today so I can make a bigger loaf. Also my host's tin sticks. Going to try lining the tin in brown paper and pulling it up to get bread out. Bread review? Good but next time more seeds, buy whole golden seeds and try buckwheat and fermented teff flour
A quiet day today as no appointments.
Today's list- Buy, cook and eat some leafy greens
- Take vits
- Hoover house for host
- Walk
- Clean/organise my room
- Research frog
- Buy card and small gift and send to friend
- Buy a bread tin
KA2 -
Thanks @kayannie, that is so helpful. Will look out for the liners. I did not know they existed.kayannie said:I buy the ready made loaf tin liners, (£land is cheapest), & they cut out all the fiddling around with cutting paper to fit. Works well with bread as well as cakes.
KAIf 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) 25/0720252 -
Thanks everyone
A loaf went in this morning. Seeds went into the mix, as well as on top. Sunflower seeds as they are cheap, good for you and add a nice texture. results time soon. Loaf costs about £2.80 before paying for the oven use. I was paying 3Xs as much when I decided enough is enough.
I ate a financial and technical frog yesterday. It made me feel anxious, but it has been done now
The tiny plane for part of my trip insists a weight is entered for your body and your bag!! for the pre flight form. I can report a weight gain of 8lbs. It is tiring lugging around that extra half stone. I'm drinking more so going AF until I go now. That alone should help...
Today I need to- eat the frog I researched (technical and financial)
- go to the storage unit to pick up my case for travel
- post on travel section to find out best way to take cash to another country (it no longer has an ATM)
- banking reconcile
- call and chase re missing letter
Wishing everyone a good day
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) 25/0720255 -
Not too long to go now 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 -
Cash is easy, keep bank statements, ATM or bank receipt, whatever is issued to prove its your money, and a copy of your solicitor sale completion letter as you go through customs; can't think what the limit it but doubt you're taking anywhere near it.
Well done for taking the frog down!
I think your weight will drop off while you're away as there's going to be walks and adventures; assuming it's slightly warmer than over here.Mortgage started 2020, aiming to clear 31/12/2029.3
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