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Living Large, on a Small Income, by the Sea.
Comments
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Great to see you posting again, you were missedMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.2
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Thanks for the welcomes @in_need_of_direction @Rhyddid2026 @Sunshine_girl2 @liselle @Skint_yet_Again @WelshmansDaughter

Thanks @Tresinia511 I have left it too late for a Christmas Day delivery but I will definitely update once it is here
I have been shopping from what I already have. I have lots of things in the freezer to make stock so will do that tomorrow, good way to clear the freezer out ready for higher value yellow sticker goods.
Based on what I already have plus the 5p veggies, over the next few days I will be eating
Beef shin with mashed swede
Chicken and vegetable soup
Chickpea and spinach curry
I have brandy soaked dried fruits (so the basis of Christmas cake) and rolled marzipan so planning on German marzipan biscuits. I have linseeds and buckwheat so will bake a loaf of bread. I will wait until Monday to do the baking, so it isn't all eaten by me before I have the opportunity to share
One of the things I have been thinking is my Frog/To do lists are too long. I am switching to 3 things I want to achieve every day
1 GP contact and get an appointment
2 Buy and start iron supplement
3 Start zinc for cold
My body clock is all over the place due to travel. I slept for 4 hours earlier so will try sleeping again soon. I have a chest cold so I made a hot toddy, that probably added to me nodding off. I want to be up early tomorrow to walk to Mr L for my veggies. I want to walk along the coast.
I have missed the sea.
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20259 -
Welcome back. Hope you get the iron sorted soon. Being low iron is not fun at all.
Merry Christmas and Happy New Year if I don't catch you again before.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
Thank yousavingholmes said:Welcome back. Hope you get the iron sorted soon. Being low iron is not fun at all.
Merry Christmas and Happy New Year if I don't catch you again before.
Happy Christmas to you too! 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
A NSD for me!
I have started on zinc for my cold and supplementing my iron too
I picked up lots of veggies at Mr L. I plan to get more tomorrow. Funny to see people have abandoned the Mr L veg boxes due to the availability of 5p veggies
My veg and chicken soup is lush
Going away gave me a clear eye on my return. My living space is cluttered so today has been spent 'thinning it out' It looks better already. I walked yesterday and saw an old pine bookcase on my travels. Rather than 'think about it' I bought it. Delivery after Christmas. It will house my collection of cookery books that currently 'live' on the floor in piles
I did not get a GP appointment so will try again on Monday
I am trying to find a walking group so did some research today
It is mild here, so the heating has stayed off
Tomorrow...
Clean front of the house and tidy garden pots
Walk along the seafront with a friend in the morning
Wash and dry one wash
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20257 -
Hurrah for nabbing the bookshelf, sounds like just the job, and nice to have it to look forward to2
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Good that you got the bookcase. I know you’ve hesitated before and the item was gone when you went back to get it. Sometimes you just have to go for it.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Welcome back! Glad to 'see' you again
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
PennysIntoPounds said:Hurrah for nabbing the bookshelf, sounds like just the job, and nice to have it to look forward to
Thanks both. Yes, I have learnt from my past experiences. It isn't exactly what I wanted for the space it will go in but it will do very well for now and I can move it at a later date as it would also work in my bathroomSun_Addict said:Good that you got the bookcase. I know you’ve hesitated before and the item was gone when you went back to get it. Sometimes you just have to go for it.
Thank youjwil said:Welcome back! Glad to 'see' you again

I had a little lightbulb moment. The housecoat/dressing gown I want is expensive and although I want it I also want to build up savings as a priority. Then I had a thought...I have a large credit in my energy account, so I have applied for a refund. Even after the refund I will still have a £200 energy buffer. The refund will pay for my Christmas pressie for me from me
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/202512 -
Lovely idea for a Christmas present from you to you. Since my dad died if I see anything I like for me from me. It means he is still near me. 🤗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.8
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