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So close, we can smell mortgage freedom!

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Food sounds tasty

    Well done on the allotment

    I read about 200 posts of a diary from 2008 and thought - gosh I worry a lot 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • themadvix
    themadvix Posts: 8,786 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Afternoon all,

    Thanks for popping by ladies. A good suggestion there BB - and yesterday we had a 'free' dinner as there were leftovers from the night before, which was good. @Suffolk_lass how would you do that? I wouldn't want to put the plastic lined lids in the oven - just stew it up on the stove as per jam and then jar? (Good tip on the stickiness - it feels like you know me so well! 😂). I now have the ingredients in to make some rhubarb and ginger jam too - just need to pull some more rhubarb and have the energy for it (and jars of a suitable size).

    Still up and down with energy and having to pace myself (literally in the moment and throughout the day), but progress is being made. Olio collection last night (swapped with my friend) and annoyingly, I wasn't able to collect the fresh stuff, even though that's the point of going in the evening. However, this did mean I didn't have to stay up late as it was all best before stuff that can go today too - which was quite good. I did have a nap/lie down in the middle of the day to make sure I had the energy. So we've had pastries and Mr MV took a sandwich to work as well as a cheese straw. Since he's been back in the office (two days a week), he's been buying lunch. This has been his choice and it's subsidised and very healthy - he usually has a huge, lovely looking salad - so not the end of the world, but given roofing situation, we need to get back to him taking food with him. Hopefully in future weeks, when Tesco managers have got the message, we may have ready-made sandwiches for him to take too. I have stashed a couple of packs of paninis in the freezer for a repeat of Monday's lunch too.

    Money shuffles now completed and I had a pleasantly surprising amount to put into savings... still can't see my payslips from Cambridge for tax purposes, so there's a possibility it'll have to come back out, but have chased this up and hopefully that won't be the case. Cambridge boss has asked me to do 1 hr/day until end of September at least on a specific job. They have a temp starting as they have some staffing issues but I suspect they may still have other things for me to do too. Also had contact from a potential new US client, so have provided the information they have requested. And there's still a potential project in the background from my main US client - maybe I need to ask about that.

    MS things:
    * HW - won £3 yesterday (that's a big win for me!)
    * Clicks done
    * MM survey done
    * 3 linked PA surveys done and should get a good bonus on that too.
    * A second box litter tray for cats ordered - via Z00plus, so TCB, 3% savings club discount and free treats with their loyalty scheme. Also discount on the litter, so a result there too)
    * Did credit karma via TCB - not tracked yet, but should be £4.25 
    * Cat sitting - last visit for one lot this morning and started other client yesterday
    * Mr MV has brewed a batch of beer from ingredients he already had in (keep dry yeast in the fridge folks, it apparently lasts forever!) - saving on beer purchases

    Gratitudes:
    * Lovely chat with Olio friend about her holiday - they're going to Scotland and wanted recommendations (they're Italian) 
    * Energy to do things
    * Work from Cambridge - it's a nice filler

    Mum's popping up this afternoon and we're going to the newish M&S - I don't need anything, but I desperately need a change of scene (not entirely sure this will do it!). I'm finding I'm very fed up at the moment and I think it's because I'm just not getting out - with Covid partly, but (Glasgow aside) Mr MV and I also haven't had any days out recently (nor have I with anyone else) - haven't seen the sea, NT membership largely unused (we've been working on the other mini and clearing in-laws loft) .... and nor have we seen anyone either (I will text friends now who invited us for a BBQ while I was ill and get a date in the diary). Just a general malaise, but it's impacting my mental state and I don't like it. 

    Have a good afternoon all! 
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • I would advise you not to pull any more rhubarb as it needs to build up energy for next year and it can’t do this if you keep removing leaves. We generally stop harvesting rhubarb early July.
    CRx
  • themadvix
    themadvix Posts: 8,786 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Ah, but my garden rhubarb has triffid-like super powers CR! It will be the last lot I pull, but it won’t affect it in the least. Wouldn’t pull the stuff at the allotment as it’s definitely not in the same league, but one more lot from the garden stuff will be fine! 😁
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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