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Holding On and Letting Go 🎈
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Fingers crossed that all your plans go to plan
Seaweed x3 -
Waiting Game
We're playing the waiting game now until the lump sum monies arrive in the bank account. In the meantime, Mr F did his research on a laptop and ordered one today - it was £200 off in the sale and we got an extra 6% off through his employer's discount scheme. Still a big purchase though so the savings have taken a knock. He'll also need a subscription to the software he needs. Overall the cost was quite a lot lower than I'd anticipated and thank goodness as the vacuum cleaner decided that this week would be the perfect time to give up! With an excessively shedding muttley in the house, a vacuum cleaner can not be done without for more than 24 hours so I bought another. 25% off and a little cashback but spending that we could have done without right now. It's being delivered this afternoon. Mr F is going to take a look at the old one and see if it can be repaired.
Mr F will be able to claim his laptop and software costs as expenses against tax. I've been researching what else he'll be able to claim and the car costs are an absolute headache 🤔 This does not surprise me - all of the dealings I've had with HMRC in my life have been an absolute headache 😆
Mr F has decided he'll hand in his notice on 1 August. He has annual leave that week so can avoid having to speak to narcisist boss until she's had time to calm down about it.
Meanwhile, life goes on. I chaired a WI meeting Tuesday to finalise our country show competition entries. Just a few final things to sort out over the next couple of weeks and we're ready to go. One of the team bought me a punnet of tomatoes from her greenhouse 😊 I made banana bread to sustain them and use up a couple of sulky bananas.
We've harvested redcurrants, blackcurrants, lettuce, radish, new potatoes, courgettes and the first of the green and broad beans from the veg patch. That's helping to keep the grocery costs down. Meals have included Ricotta, Broccoli & New Potato Frittata with salad, Fragrant Courgette & Prawn Curry and Mushroom & Sausage Pasta.
It's been an early morning for the Fortunate household today. Our veg box delivery round has unexpectedly lost its driver so the local team are pulling together to keep the deliveries going. This means a much earlier delivery time for us - 5.05 am this morning 🥱 Last week it was 4.06 am 😲 Great that they are keeping the round going for us though and I don't suppose it's any fun for them getting up so early. I just wish FDawg didn't feel obliged to alert us to their presence 😆
That's it for now folks. Hope you're having a good week.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais8 -
Glad to hear cunning plans are afoot @Fortune_Smiles and Mr Fortune will be free and clear of the toxic workplace soon!Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary4 -
Good that a decision has been made & not long til August.
Is the notice period a month or two?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 -
Elisheba said:Glad to hear cunning plans are afoot @Fortune_Smiles and Mr Fortune will be free and clear of the toxic workplace soon!
Thank you Elisheba. Can't come too soon 😁beanielou said:Good that a decision has been made & not long til August.
Is the notice period a month or two?
It's 3 months Beanie. It should be longer for someone at his level but no one thought to review it when he was promoted. Ha ha 😁
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais7 -
LOL at the oversight on their part. Any chance of garden leave?
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
savingholmes said:LOL at the oversight on their part. Any chance of garden leave?
That would be the ideal SH but I think it very unlikely. They might cancel his overseas trips though which would be fab.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais5 -
Sounds like you are both ready for change which is really positive even if the cause isn't ideal.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Woohoo! 🥳
First lump sum arrived and has been transferred to the mortgage. 79% paid off now. This is so exciting 😁
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais8 -
Woohoo. Exciting milestoneAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254
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