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Also hopping over and bookmarking. Wishing you both the best of luck with the new adventures to come!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174
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me too. Happy new diaryruby_eskimo said:Also hopping over and bookmarking. Wishing you both the best of luck with the new adventures to come!Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4 -
Happy new diary. Looking forward to reading of your new adventures together.4
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Where to Start?
Hello everyone 😁 How lovely to see friends here - old and new. You are all very welcome 😘
Mr F and I have had lots of discussions about the business and it's looking like we'll be setting up a Limited Company with both of us as Directors. This is mainly because some potential clients require it. There is little, if any, tax benefit to us once you take off the extra costs and time involved. Mr F is having conversations at the moment with anyone who has expressed an interest in a contract and asking for their terms before we make a final decision.
My shoulder is still causing me a problem so I've made a face-to-face appointment to see the Doctor - 28th September.😲 Something I'm doing for my mental health at the moment is re-drawing boundaries with some family members which is very liberating... for me. I'm not sure they're liking it much 🤷♀️ Sometimes we let family get away with treating us in a way we would never entertain from anyone else... but there are limits.
We are getting lots of produce from the veg patch and the meal plan is being built around that. We've had Green Bean Minestrone to make use of green and broad beans and chard (substituted for spring cabbage), Tomato & Courgette Risotto but using a tin of cherry tomatoes instead of fresh (the recipe says it serves 2 but there was definitely enough for 4 servings with the tinned tomatoes), and Smoked Haddock Gratin with mash to make use of spinach and potatoes. The veg patch is really helping us to keep under the grocery budget so I'm hoping for a late summer to extend the season.
I met up with a girlfriend yesterday to visit a local historic house and garden. We had a good catch up over coffee and cheese scones in the tea shop and popped back later for a welsh rarebit lunch. Costs will be met from my personal spends budget (as I still have one at the moment) and it was money well spent as I felt refreshed and restored after.
So, after the big 'Ta-Da' of opening a new diary, there's nothing much to report 😂 But maybe that's a good thing.
Happy Hump Day people 😁
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 Gervais11 -
What is it with shoulders at the moment!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.6 -
There are some advantages to a ltd co. Don't quote me on this but I think the co can contribute from profits to your pensions, which whilst don't get the 20% tax added for personal contributions reduce taxable profits.
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beanielou said:What is it with shoulders at the moment!
I know Beanie! It's very annoying... and painful 🙁 Hope yours gets better soon.
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 -
badmemory said:There are some advantages to a ltd co. Don't quote me on this but I think the co can contribute from profits to your pensions, which whilst don't get the 20% tax added for personal contributions reduce taxable profits.
You're quite right BM - that can happen.
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 -
Do you need to practice assertiveness for your medical appointments? Surely you can say its an emergency - you are in pain and need to see someone the same day? 6 weeks is for things that don't really matter / medication reviews surely....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 6/7/254 -
savingholmes said:Do you need to practice assertiveness for your medical appointments? Surely you can say its an emergency - you are in pain and need to see someone the same day? 6 weeks is for things that don't really matter / medication reviews surely....
It's so nice for you to worry about me SH but there's no need. I'm not in any great pain, just a little sore at the end of the day, and it's nothing over-the-shelf medication can't control. It's just that I'd almost got over it and then it came back (not as bad) so I'm just wondering whether it's something that will need some extra help to shift. I am certain that it's nothing serious - we think tendonitis and that can take months to resolve and recur.
But it's lovely to have someone looking out for me 😘
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
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