Time to clear the remnants of my old life

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  • savingholmessavingholmes Forumite
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    Sorry your knee isn't doing well. 

    Ouch to the leccy bill - glad you have the £ to pay.

    I really enjoyed growing potatoes in 2020. Should probably go back to it!
    Target 1) Debt free April 22 Target 2) Lose weight & get fit (started) 3) Write regularly 41426/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF (at £2.2K June 22) 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 257 payments to go. Now £196,869. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • EssexHebrideanEssexHebridean Forumite
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    Ouch to the poorly knee - hope it's now on the mend.

    Adriene's yoga stuff is brilliant - I originally tried one of the early 30 day challenges a few years ago and couldn't get to grips with it at all - I found it really hard to follow and got frustrated because I had to keep looking at the screen - not ideal. During lockdown 1 someone I know recommended the "Breath" 30 day challenge though, and I realised that her vocal cues have improved massively over the years - I followed that one through with no issues and have done most of the others now too - I'm currently working on "Move" after a late start due to being away.

    I think we're all feeling it a bit on the energy costs aren't we - it is a bit of a sting! 
    🎉 MORTGAGE FREE 30/09/2016 🎉
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    2022 "Gym Neutral Fund" - £75.65/£330 (Membership taken 24/1/22)
    🏋🏻‍♀️ 2022 Gym cost per use: at 1/7/22 £11.00 per visit! (30) 🏋🏻‍♀️

    🇺🇦
  • leftatthetrafficlightsleftatthetrafficlights Forumite
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    £317 to the fund today - busy at the moment so will come back later! 😂
    Debt neutral fund -
    Starting balance September 2022: 
    Sept 22: £ ; Oct 22: £ ; Nov 22 £ ; Dec 22: £ 

    GC: Jul: £39.52/£300


  • savingholmessavingholmes Forumite
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    Well done on the savings.
    Target 1) Debt free April 22 Target 2) Lose weight & get fit (started) 3) Write regularly 41426/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF (at £2.2K June 22) 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 257 payments to go. Now £196,869. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • leftatthetrafficlightsleftatthetrafficlights Forumite
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    Thanks @savingholmes 😊 

    We'll it's been an expensive couple of weeks! 🙈 dishwasher died first, then the boiler, then the vacuum cleaner!! 😲 I've had to cover it all from savings which is fine but we will need a new boiler this year and because of the new regulations we'll also need a new oil tank - savings wise it's a massive hit and as I'm seriously considering leaving work it's a total inconvenience 😔 I'll have to put the plans on hold for the time being and build the buffer again! 

    Oh well, could be a million times worse so I shouldn't complain! 

    I'm not doing well on the self-care either - tbh, it's been such a pain in the butt couple of weeks I've just put it on the back burner. I'm going to get through this week and start over next week- I could start now but my new vacuum isn't arriving until Friday and the house is stressing me plus I have my grandbaby at the weekend so will be too busy to do much else! 😍 I'm going for fabulous February!! 😉 

    Food is going well though - I'm buying fresh stuff but mainly using stuff from the stores- it's helping with the debt neutral fund savings so at least that's something 😊
    Debt neutral fund -
    Starting balance September 2022: 
    Sept 22: £ ; Oct 22: £ ; Nov 22 £ ; Dec 22: £ 

    GC: Jul: £39.52/£300


  • EssexHebrideanEssexHebridean Forumite
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    Fabulous February sounds like a plan!  and hurrah for having savings pots to cover things unexpectedly going wrong - the power of the emergency fund must ever be underestimated! 
    🎉 MORTGAGE FREE 30/09/2016 🎉
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    2022 "Gym Neutral Fund" - £75.65/£330 (Membership taken 24/1/22)
    🏋🏻‍♀️ 2022 Gym cost per use: at 1/7/22 £11.00 per visit! (30) 🏋🏻‍♀️

    🇺🇦
  • savingholmessavingholmes Forumite
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    Sounds like your EF is healthy if it can cover all that. I'd be crying in a corner...
    Target 1) Debt free April 22 Target 2) Lose weight & get fit (started) 3) Write regularly 41426/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF (at £2.2K June 22) 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 257 payments to go. Now £196,869. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • leftatthetrafficlightsleftatthetrafficlights Forumite
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    @savingholmes - it is healthy but it pains me to have so many things go wrong at once! 🙈😂 

    Another  £200 to the debt neutral fund today - February will be an expensive month but I'm hoping that I can keep the grocery expenditure down so that I can keep it going! 😉
    Debt neutral fund -
    Starting balance September 2022: 
    Sept 22: £ ; Oct 22: £ ; Nov 22 £ ; Dec 22: £ 

    GC: Jul: £39.52/£300


  • savingholmessavingholmes Forumite
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    I'd be in pain too. Well done on the savings
    Target 1) Debt free April 22 Target 2) Lose weight & get fit (started) 3) Write regularly 41426/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF (at £2.2K June 22) 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 257 payments to go. Now £196,869. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • leftatthetrafficlightsleftatthetrafficlights Forumite
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    So, January was a wash out so welcome Fabulous February!!! 🙌 

    I'm starting well - I've done some yoga, drank plenty of water, had a healthy lunch and organised my paid work (currently on lunchbreak). Tonight I'll defur and exfoliate then have a pot of sleepy tea and an early night 😊 

    Finance wise, we've got the prices for replacing the boiler and oil tank - we'll do it early summer if the old one doesn't pack in before then- so I'm hoping to tolerate work for another couple of months so that we don't decimate our savings! In all honesty it's not been too bad over the past week so if it stays like this I should be okay 😉 
    Debt neutral fund -
    Starting balance September 2022: 
    Sept 22: £ ; Oct 22: £ ; Nov 22 £ ; Dec 22: £ 

    GC: Jul: £39.52/£300


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