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Semi Retirement and Beyond.
Comments
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Nice to have a holiday to look forward to 👍January spends - £587.580
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I tend to split mine out amongst savings pots - usually some to clothing, some to my dedicated airshow spends fund. If all other pots are looking as funded as I want them, I'll transfer it straight to the higher interest long-term option though.Sunshine_girl2 said:Lovely walk with MSE friend today .What do people do with money left over in personal spends pot ? Do you roll it over into next month or move it to savings ?
Your tree reflection pic is beautiful!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Yes - won't be long now before your holiday......😁Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
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RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Another childminding day done , DGS was very good again today just a few challenges expected of a 2 yr old.I have limped to payday with a £13 underspend in food budget and £20 left over in personal spends so it has gone to the extra petrol budget.It's payday today but am leaving that to sort out until Sunday.I have done a bank switch for £200 which has resulted in me getting my debit card today from the new bank . The £200 will go to my holiday spends for April.
Off to see my friend tomorrow in the next county .Life is an adventure, never stop exploring.3 -
All good then
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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.0 -
I have often thought of doing a bank switch but I’m happy with my current bank so scared to take that step.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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I like that you usually have a holiday on the horizon.
Enjoy your weekendIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Have a great time with your friend 👍
Finances looking good.January spends - £587.580 -
I hope you're having a great weekend away!😀👍Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
I opened a "spare" current account with Sant-And-Er and then used that for my switch to FD. Easy money! (And gave me access to the 7% regular saver which was also a win!)Sun_Addict said:I have often thought of doing a bank switch but I’m happy with my current bank so scared to take that step.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1
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