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Getting the balance right
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I did the same there as I do other places - admiring scenery, walking, chatting to people, looking at cultural spots (churches, local museums, neolithic spots, ancient wells etc).2023: the year I get to buy a car2
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That's the kinda holiday I enjoy KC hopefully one day I will get there3
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Last night shift and what a night shift it's been, it's been some week tbh, nothing much has happened, paid the gas and electricity, I'm sticking with £250 a month and will see what happens tomorrow.
Was hoping to go away this weekend but the forecast isnt good so may need to cancel.
Nothing else to note really4 -
have decided to cancel my gym membership, I'm working three weeks out of 4 on nights the other week 4 long days so I wont get any use out of it, I also didn't have a great experience at it before as well.
£20 a month saved, the plan was to go up to Ardtoe and kayak over to one of the beaches over the weekend but the weather isnt to be so good for kayaking so we will leave it3 -
Kayaking sounds like it would have been fun - but not in bad weather. Gym decision seems sensible - just redirect the £ to your adventure bucket.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
Today was the long awaited day for sunflowers ... We expected fields of sunflowers ,, we got two strips of sunflowers, but it was still fun, always is when I meet up with @skint_spice ... Mr El came with us and took the role of master gardener very seriously
We then nipped over to visit with the lovely @beanielou, it's been too long since we had a catch up, Mr El and beanie get on well, when I told him we were gonna meet up with beanie he was trying to figure out if he could make tablet in time.
Back down the road to put my sunflowers in a vase ... only to discover I dont have any 🤣🤣🤣🤣5 -
That sounds a wonderful day! So nice
2023: the year I get to buy a car3 -
it was wonderful KC exactly what was needed3
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Great wee afternoon was had & thank you for the lovely cheery sunflowers
xxx 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.4 -
are yours alive ? ours are wilting, I've even resorted to asprin ... mine are innthe washing tub in the sink 🤣🤣🤣🤣2
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