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Ding! Ding! All change, please... (now replaced with new diary on MFW)

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On the rewards thing - I've got my best payouts for ticket booking... Just something to be mindful of. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm with you on the cold weather, it's so annoying now!

    Also looking forward to two short weeks, lovely! :)
    "If you can dream it, you can do it". Walt Disney
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Despite a couple of cold mornings, our seedlings which we have planted outside and keep forgetting to cover up are doing really well.

    The Pok Choi and Rainbow Chard are springing up all over. Still waiting on the beetroot and carrots but they usually take a little longer to make an appearance. 
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On the rewards thing - I've got my best payouts for ticket booking... Just something to be mindful of. 
    Ooh good tip - I'll have to have a look and consider changing how we book stuff as we usually use the credit card for anything like tickets. 

    RS you're doing well with your seedlings then  - I'm missing growing stuff this year - might try for a late sowing of a few bits and see what we end up with! 

    Yet another chilly day here although I don't think as cold as it has been - appreciated my microwave wheat bag last night again though as my feet were COLD!

    Holiday cottage balance is paid and we have confirmation from the owner that the money has landed. MrEH and I also had a chat about "Plan B" this morning in the case of the current ferry disruption not being cleared up by the time we go - in terms of travel assuming we would be able to be switched to a ferry from the port further north then it means having to do it as an overnight drive which means wasting the accommodation we've currently got booked to break the journey. However it could be that the ferries from there are fully booked which would give us more of an issue as obviously that then impacts on our holiday. There's nothing we can do at the moment but keep an eye on things though - it's very frustrating. I've just worked out both a plan B (which might not mean an overnight drive) and two variations on a Plan C (both of which would) although they may yet swap round as I suspect MrEH will feel my current Plan B is too risky as it involves an additional ferry. 

    Banks checked and all good - and I availed myself of the new bonus rate available on M@rcus yesterday on both our accounts with them. MrEH fed his Oyster yesterday so there is £50 pending to come out of the joint account but there is also still just over £100 surplus in there which is handy enough - I'll have to decide whether that gets sent over to the New House Fund or the Holiday account - although allowing for the balance in the holiday account AND the next two months payments that will be landing in there ahead of us actually needing much of the contents, I think that will probably be OK now so current gut feeling is that the new house fund will get the benefit. 

    I decided against the gym yesterday as I really was still quite sore and didn't want to risk putting any unnecessary strain on that ankle. Annoying, but probably the right decision as even cycling last night wasn't the most comfortable. Aim for today is to do my usual walk at lunchtime, I cycled a little extra distance before work and aim to get a bit further afield after I finish tonight as I have to wait for MrEH anyway, and I'll be factoring in a yoga session again tonight - trying to keep up making time for that daily too. I'm going to go to the gym tomorrow regardless and if I end up having to switch things about and do a different routine to my usual then so be it - better that than not to go at all. 

    Food last night was indeed chilli and rice, and I'll be doing jackets this evening with beans, cheese, probably some chopped chorizo...might throw some frozen mushrooms in to defrost and heat through with the beans to add a bit extra on the veggie front as well. the fish, wedges and peas can happily enough do tomorrow evening although at the moment it is possible that MrEH might have to be back in London again (Always annoying when he has to be in on a day I don't)but that's fine as I will be about to get cracking on cooking before he gets home so we won't have to eat too late. I need to get a meal plan together for the weekend too - and ideally a freezer audit as well. Cooking intentions for the weekend include a big pan of ragu I think as last night's tea used the last one (and had smoked paprika, mild chilli powder and a splash of lime juice added along with kidney beans) - if I think I have sufficient freezer space to play with I may soak and cook a pot of black beans as well. 

    Plans for the weekend are currently fairly fluid - we have a fair bit of voluntary role stuff to do, we might pop to a local-ish brewery taproom for a few beers on Saturday perhaps, I'm guessing MrEH will want a walk somewhere or another too...all good, and all low demand which is perfect. I'm hoping for a call from Specsavers to say I can collect my glasses too - I'll be more than a bit cross if they have to wait as collecting next weekend isn't really an option as that's a busier one. Fingers crossed. 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • lucielle
    lucielle Posts: 11,501 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your ankle improves and the gym session doesn't aggravate it.  When are you off on holidays?
    L

    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks L! 

    A bit over a month's time we're off - can't wait! Although there is a huge amount to do on the voluntary role stuff ahead of then...that definitely needs to be a feature of this weekend! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,501 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sent you a pm
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • beanielou
    beanielou Posts: 95,483 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your ankle is on the mend.
    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.
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