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Prosperous & Creative Soul Year 4
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As above - enjoy FloridaMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
Hope you have a great time.LTotal 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 #1242 -
Glad you are enjoying your life drawing class
Getting the new account sounds onerous
Nice to see you backIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Have a great trip.2
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Bon voyage @savingholmes! I feel your pain re business bank accounts. It took B 5 months to get its act together. M*nz* on the other hand was instant. Love Humdinger xx2
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Enjoy Florida!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thanks Humdinger, Jwil, Beanie, DIA, Blackcats, Lucielle, Watty
Interesting on Monz... I may try Rev business again - as they were quick in the past but they charge now for business banking but at that point previously were free. NatW seem to have too many hurdles and I don't have the patience.
I don't think my portrait will be ready before I go. I think it is classic ADHD style over-optimism - of course I can learn this new skill and apply it in a high pressure situation and think it will be good enough when I'm still a novice. Going back to the handcrafted thank you cards idea instead - but still playing around with handcrafted art options for the wedding card.
I did some gardening today which was positive. Good to see progress. I replanted a hanging basket. Put some fresh bedding plants out and did a lot of weeding and some pruning. I have done some kitchen cleaning and tidying and decluttering over the last few days - plus a few boxes in my spare rooms. Done some hoovering and have washing on the go... I still have some empty cubes in my cube units - and surplus lying around... Need to beat that habit... Coloured coded, labelled plastic drawer sets seem to work best for me for actually giving stuff homes.
BIL is coming to do the external sockets tonight - so probably should tidy up a bit, clean toilets etc. I managed to smash glass in the utility room so need to re-wash some things... Sigh. I've hoovered... .
I don't think I'm going to manage my final returns, I half wanted to keep them anyway. I returned about £340 worth - it was just the final £50 ish... I picked up my altered clothes at the weekend and they're fine but I think I'm going to wear a different dress that I bought to the wedding I think as the other dresses are likely to be too hot to wear. I've got a couple of shawl options arriving tomorrow in case I need a wrap. But I'll still be in time to return them if needed by the time I come back so don't have to make an immediate decision.
I did a couple of hours work today but officially it's a day off - so just prioritised a couple of meetings. If I can get Thursday off I think I will as I just feel rather rushed currently, head spinning a bit as still feel very out of my comfort zone with the upcoming plans however nice they may end up being. I'm skipping life drawing this week to reduce pressure on my week. Can't believe how expensive it would be to take my current mobile package to the US so currently working out alternatives...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 29/7/256 -
So my shed door is mended and the lock moved so it's lockable. 2 sockets fixed. So lounge usable again. I now have 3 new pegboards up in my utility. Very excited. So need to decide what to put on them (after Florida). Next time BIL comes he's going to do other jobs and take away my spare sleepers.
I moved a few things into the garage too.
Also caught up with DS by phone.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 29/7/256 -
All good then.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.2 -
Sounds like you had a productive day
LTotal 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 #1242
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