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Living Large, on a Small Income, by the Sea.
Comments
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You are doing amazing. Well done for tackling so many 🐸 🐸 🐸Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/252 -
@doingitanywaysaid "I should be embracing NSDs but I want to buy coffees, chocolate and flowers and candles right now. I also want to buy wine but I am resisting that one!" And my heart just hurt a little reading this, agree with PiP, your budget needs to sustain your soul as well as your needs, You should have these small pleasures when you need them! I know you can get creative when you need to and you need coffees and chocolates so get on that thinking cap!3
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You are spot on @PennysIntoPounds!
I didn't really want the job, but I thought I should want it and that isn't quite the same thing...even the application form was...
Right again on being allowed pleasures. The thing is my income is not enough for the things I want to do. It isn't that I am being particularly poor at making it work. But, however I look at it I am not spending within my budget. I have avoided my friend so far but she will be popping by later and I will say I am busy tomorrow...thank you for your thoughts
Thank you @savingholmes and @jwil
Thank you @Tresinia511 consider my thinking cap well and truly on!!
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 -
So, the ordered mat was too thick and the door couldn't open without it bunching up...I received it yesterday and managed to get it sent back today.
I am still dropping china but my reflexes are kicking in and I am sometimes catching it before it hits a hard surface. The catching is really satisfying
However, I have broken maybe 14 pieces of china in the past few months. It wasn't happening before so wondering if it isn't just clumsy me, or one of those things, perhaps something is affecting my hands or grip...
I am ordering a dressing gown. It is expensive but as I spend lots of time in one, might as well do it in style Plus, winter is coming and it is cheaper than a wood-burner!
It would be fair to say I have had a lazy day. No frogs. No To Do. Hey ho
I hope you have enjoyed your Saturday reader
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) 25/0720254 -
That's alot of china to break in a small amount of time. Definitely try and take notice of what's causing it if you can.
Enjoy your dressing gown, love a good dressing gown in the winter.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0
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