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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 £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 -
@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!6
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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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20257 -
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/202510 -
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 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £720
*Total debt - £7720/£11641.17*
Savings
*Savings - £1625/£2000
*Emergency Fund - £1000/£1000
*Fab Forty Fund - £100/£4000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/5 -
Glad you’ve had a no do day. Sometimes we just need them to regroup.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Yes maybe it's your grip that's causing the china breakages. It decreases in strength like most of the body as we age. I found that since I started the gym regularly and strength training my grip has improved enormously.What's your dressing gown like? I'm imagining you wafting around your home like a 1930s film star (aka Jean Harlow...)😂Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
Thanks @Sarahwithlove I will keep an eye on what's causing my breakages
Thanks @Sun_Addict I feel better today for having had a no-do day
Thanks @Seasidegal58 I do think strength training is important as we get older. A gym will be open 5 minutes from where I live in Winter25/Spring16 I will start seriously then. It is only 5 minutes away. I can't wait. The dressing gown is actually a 1930s design so you have that right. I do love it but will be challenging myself to sell things to raise the cost of it.
So, a nice early morning catchup on the phone with BF then my yoga class. A really good morning. Someone at yoga gave me the contact details of a handyman so I will get them to do a few things for me to enable the house to work better for me. To Do contact handyman and make an appointment
I went cold turkey on coffee withdrawal a few days back and beginning to feel better
To Do I have decided to add in a Tai Chi class to my weekly yoga to keep me supple during the winter. A relative had a nasty fall. We have the same condition and it affects balance so I want to work on mine so that future me fares better. I will book the class
To do reduce energy DD I built up a few hundred pounds credit on my energy account so will reduce it by the cost of the additional exercise class + tax payment. That way I am not living on less.
To do get 2 quotes on g... odds and ends I dug out bits of g...to sell and found a little bracelet that I'm wearing and quite liking...the plan is to sell odds and ends of broken and unwanted g... to make the money for the very expensive dressing gown...(which I love!)
I had a glorious bath with fancy things in it.
I made soup and had it for lunch and supper. My BS seems to have settled as not feeling starving hungry
This weekend has been the exact weekend I needed. I feel relaxed and well. I want to keep Sunday as a day that is relaxed. It was difficult to turn down a friend's invite. She was absolutely fine about it. And I had the weekend I needed
I hope you had the weekend you needed tooIf 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 -
Glad that you enjoyed your weekend. Good to sell the g. Anything that keeps you from falling is the best.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.3 -
Glad you had your relaxing weekend
"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 McGee2
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