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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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I'm planning on picky food for Saturday as well. Think we may be watching TV most of the day...lol. Hadn't thought about a bottle of prosecco, but why not? Don't often celebrate anything muchMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
Glad your appointment went well.
Also good news that things seem to be progressing on the sales front
"If you can dream it, you can do it". Walt Disney3 -
Your GP sounded great. I’d been put on HRT at the hospital and he said my GP wouldn’t lie, it - he was right. They did eventually take me off it all at once which I wasn’t impressed with….many moons later and new younger, more receptive gps and at their suggestion I went back on cream 🤷🏻♀️I’ve often looked at veg boxes but haven’t found one I could get along with.January spends - £587.584
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Glad your appointment went well even if you have to wait. There's an injection they can give you that could help shrink fibroids - that puts you into menopause temporarily - and they can give you HRT alongside it.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 6/7/253 -
Ooh, good luck with the new viewing! Sorry the old agents are being a nuisance though. Do you have a house-moving Spreadsheet of Blame like we did?? 😂
Glad the HRT appointment went well. Makes such a difference to have a supportive doc! I went back for a review yesterday after going on it for the first time in January - I've been feeling better but not great. Switched to gel (from patches) and upped dose slightly, and we'll see how that goes.
Excellent work with the voluntary role too!3 -
Sounding positive on the house moving - you are doing very well to resist viewing houses until you are under offer. Is one careful owner house still available and if so how does it stack up against more recent listings?4
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HI SH - yes, but with osteoporosis as one of the side effects they won't prescribe it for someone of my age! I did previously have one of the medication options and it worked really well, but that one is no longer available due to it in itself being found to have some fairly nasty possible side effects.
Haha Cheery no Spreadsheet Of Blame yet but there is still time! Blackcats yes, One Careful Owner is still available - we definitely want to second view it and may yet offer again at a lower level as we have picked out a number of additional bits of work that we've now realised will need doing. There are also a couple of others that we really like from their listings - "The one with the enormous garden" and one which as of yesterday has become known as "Rose's House" (we went for a look at the area around it yesterday and were loitering around looking at garden size etc and one of the neighbours was chatting to us and ended up inviting us into HIS garden to have a proper look at the back of the house for sale from there - he referred to it as Rose's House so that is what it shall be!)
How was everyone's Coronation weekend then? We watched it at home in the end as the weather was just so dreadful - shot out briefly to see the remaining aircraft from the flypast but although I took a few photos I don't think they'll ever see the light of day as the conditions were so poor! Loved the spectacle of the whole thing though - Penny Mordaunt was once again a star of the show; Princess Anne managing to hide Harry with her giant feather, then whizzing out of the side door at the end and doing the procession on horseback (well of course she did!); a lovely moment between Kate and Charlotte where the excitement of the whole thing was clearly visible; Justin Welby's incredible poise and managing to do the whole thing in an echoey environment with hearing aids in; the King's quite obvious pride when William pledged his allegiance...just so many lovely bits! I was at the "King and Country" themed airshow at Shuttleworth the following day and the weather was a complete contrast - gloriously sunny all day! An absolute delight to be back at an airshow with loads of pals and getting some quality time with the new camera too - so far I'm extremely pleased with it!
MSE stuff then - Banks checked this morning and all good - although MrEH needs to chase up his regular saver coming across so I can get that transferred to the C0v3ntry. We'll need to put some diesel in the big car this evening as well. We did finally get the freezer audit done yesterday - which confirms that we can make plenty of meals from the contents there. Veg box arrived overnight on Saturday and so I am incorporating the bits from that in as well - the onions I'd opted out of went not available anyway so they sent the alternative which was shallots - very pleased with that! The spring onions also went not available and I've not quite worked out what we got instead of those but we were pleased enough with the contents anyway! I'll tweak the meal plan to include various bits from that through the week anyway - I'm doing savoury rice this evening and I've already got the ingredients out for that ready - it will use up several tubs of roasted veg from the freezer which is a bonus! Also need to work out how to use the rest of the salad stuff as we got a big bag of leaves in the veg box, and I bought a smaller bag of rocket too. We had the first half of those with warm boiled potatoes and some salmon fillets last night. I made the pea & ham soup I was intending to as well - and we are now overrun with parsnips so definitely need to make some soup with those as well although I shall probably try to make those wait until the weekend.
Picked up a few oddments on Prolific over the weekend and am showing Just under £9 payable there now which is decent for this point in the month.
Spendiness over the weekend was mostly beers at the thing I was at on Friday, then food at Shuttleworth on Sunday - all from personal spends of course. I'll need to keep an eye on the balance in my spends account but can always transfer money from my fun account if needed. I may have also been persuaded to do an extra airshow in a few weeks time but I'm waiting to see how time goes and what the weather looks like - the cost of that will come from my airshow account though if I do end up booking.
Plans for this week and weekend are currently fairly few - more voluntary role stuff (and we had a bombshell dropped during the site visit on Friday so there may be a bit of extra work there to do!), I want to get to the gym a couple of times (am going to the one near work tonight, and will probably do my home one on Friday as usual). MrEH is out on Friday evening so I will need to come up with something food wise for myself that night.
House stuff - hopefully we might have partly resolved the issues with the agents - although a lot relies still on what the original agent says when MrEH emails them. The viewing last week apparently seemed to go very well, but we're still waiting on feedback from that as yet - hopefully we should hear today at which stage we will be able to make a call on whether to accept the offer which is also on the table - which has now been increased fractionally too. With that in mind, we will hopefully be able to get viewings on the places we are interested in next weekend - fingers crossed! Actually reaching the "cautiously excited" stage now!🎉 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/her8 -
Sounds like everything is moving along with the house move. I don't envy you though. When we moved here, I swore I would never move again and I don't intend to. The stress is huge. Hope all the issues get resolved. It seems like you have a few options for the onward move. How nice of the neighbour to invite you in to his garden for a better look. Good neighbours are a big plus!
I have to admit, I avoided everything coronation wise over the weekend. I have absolutely no interest in it. Glad you enjoyed your weekend though.Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2005 -
Agree with all your comments about the Coronation. Loved every minute of it. Just a pity the fly past was scaled down so much with the bad weatherMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
You're sounding very organised EH. And fingers crossed for good feedback from the viewing at the weekend. We thoroughly enjoyed the coronation too - I say we, I mean me, although Mr MV did watch most of it.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 Hemingway4
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