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  • FIRST POST
    • shabbychic12
    • By shabbychic12 1st Feb 18, 2:30 PM
    • 82Posts
    • 409Thanks
    shabbychic12
    2018 It's My Time
    • #1
    • 1st Feb 18, 2:30 PM
    2018 It's My Time 1st Feb 18 at 2:30 PM
    Well l've decided to start this diary for me so that maybe in 12 months time l can look back at what l have or have not achieved. Let's hope it's the first and that when l look back on this post it's from the front seat of my camper some where warm.
    Small potted history - lost my DH at 50 but luckily he left me not having to worry too much about money and l already had tendencies to save. Have decided that this year l'm going to retire at 54 and do some of the things we had planned to do together So it's save save save to be able to do that in Sept 2018 and then basically it's my time.
    Have managed to get the VW camper(1972) back on the road 2,500 worth of work later lol and the aim is to use this and travel. I also hv a 1972 Eriba Puck which l have yet to decide if l can manage to tow. We become quite a road train when out on the road. So we will see next few months how l go on.
    I know l will have good days and bad days worrying about my decision but life's too short to worry because tomorrow doesn't always come. Well that's post 1 done off to list some more 'collectibles' currently listing my DD polly pockets from the 80's and not doing too badly unfortunately having to split with her.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
Page 2
    • shabbychic12
    • By shabbychic12 13th Feb 18, 1:33 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    It is something on my list of things todo lol just not very high up. Had an appointment at the building society this morning doing a Skype interview for a mortgage-what happen to face to face? Any way good news is they will lend me some money bad news l now have to find somewhere! Idea behind this is to generate another income for when lve finished and hopefully this one will do as well as the other. Another big step on my own but l feel fine about it. Need to focus right area, right price and potential for value growth- not much to ask.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 13th Feb 18, 7:54 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Fingers crossed for you. Have you found somewhere to move too ?
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 14th Feb 18, 9:48 AM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Wow that is exciting how good to have all those plans to look forward too. The time will go so quickly as well. Think l could do warm weather in a mobile home but maybe not the winter months. Living out of a couple of suitcases might be my undoing though not enough room for shoes.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 16th Feb 18, 1:30 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Well just back from my first try at an airbnb property as a mini break and l was very impressed - at least the property was there lol. I had heard of instances where people had paid , turned up and found they had been scammed. I'm not one for hotels as l prefer to do my own thing so this was perfect. (And cheaper)
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 18th Feb 18, 1:28 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Well l do feel refreshed and have a renewed energy towards my quest to retire. Only bad thing is l took my eye of the frugality l have been following but l'm back on it this morning. All my jars are back upto date and lve even sold a couple of things. I might try eating for a pound everyday this week only going to do 6 days as l'm at a 'do' on Saturday and staying over( budget hotel btw) have even managed to drag myself of to yoga this morning so l must be back on task.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Mr Costcutter
    • By Mr Costcutter 19th Feb 18, 12:31 PM
    • 309 Posts
    • 818 Thanks
    Mr Costcutter
    That really is a challenge and to be honest I don't know how people manage to do it.l
    Originally posted by MrAPJI
    Absolutely agree.
    • shabbychic12
    • By shabbychic12 19th Feb 18, 1:01 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    I think it's going to be tough l'm going to a shop later and l have a muscle food order coming which was a double the amount for an extra 5( l will have chicken coming out of my ears lol.) I will check out the holy grail of shopping the YS aisle( l very very rarely find anything worth buying here) and break my meals down to as near as l can. My lunch of a jacket potato and beans has already cost 40p.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 19th Feb 18, 6:36 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    As expected the YS aisle was just dust and tumble weed. I don't know how people do it save dumpster diving l won't get to 1 a day but on the plus side today's meals have come in at ......... wait for it, drum roll...... 2.20 l will probably be so hungry later l will eat my own leg lol. See how l go on tomorrow. Enjoy your frugal teas lol
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • gallygirl
    • By gallygirl 19th Feb 18, 10:00 PM
    • 16,586 Posts
    • 109,529 Thanks
    gallygirl
    That really is a challenge and to be honest I don't know how people manage to do it. Maybe their cooking skills are 'a lot' better than mine lol
    Originally posted by MrAPJI
    I think anyone could do it for a week or more if they are starting off with a well-stocked kitchen, with things bought in reasonable quantities from cheap supermarkets rather than having to buy from the over-priced corner shop because the bus fare to the supermarket is 3 . Oh, and the rice you did buy in bulk goes off because your cupboards are damp. You can cost out chilli powder at 2p a spoonful, mixed herbs at 1p etc, because you bought it from Aldi, but if the local shop sells herbs and spices at 1.50 you're not going to spend three days worth just on two minor ingredients. Neither wonder people end up with 99p ready meals .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = 0
    "Do what others won't early in life so you can do what others can't later in life"
    • shabbychic12
    • By shabbychic12 19th Feb 18, 10:11 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    I agree 100% lol. Can cook for 4/6 people no problem and can keep costs low but cook for 1/2 people same amount just lots of waste that then lurks in the freezer unlabelled and unloved for ever so therefore not cost effective.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 20th Feb 18, 7:17 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Well today's breakfast was smart price yoghurt with fresh fruit, lunch a pitta and soup with left over potatoes l had made into a potato salad and tea is sausage and veg with wedges l have estimated about 2.50 lol
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Mr Costcutter
    • By Mr Costcutter 21st Feb 18, 9:59 AM
    • 309 Posts
    • 818 Thanks
    Mr Costcutter
    At 2.50, I think you did really well . I probably look at diet in a different way than most people, having worked as a medical research scientist for my entire working life. My concern being is that many people do not eat enough protein - and it is absolutely essential. Enough said
    • shabbychic12
    • By shabbychic12 21st Feb 18, 7:24 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Food order arrived and as expected l have chicken coming out my ears lol. I do believe l should be able to keep to 3.00 a day and eat pretty well and varied. My problem is planning l hate to know what l'm having on what day and lve no chance planning for a week but l will try.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 22nd Feb 18, 2:31 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    At least with my cooking skills it's got half a chance of being edibles for l spend a bit more.
    Having a re think on the property empire. I will still buy another property but not yet maybe towards the summer. Hv looked at things objectively and it would only take my current tenant to leave or not pay and then the new property not pay its way then l would be eating very quickly into my emergency funds and savings. I know l can do it but l will save a bit longer just in case worst case happens.i don't want to be scrimping for holidays and nights out ( and shoes lol)
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 24th Feb 18, 10:34 AM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    As expected the last few days have been very expensive with lots of out goings. March should be a better month put it this way it's got to be. If l want to realise my dream l need to accept that some week or months will be higher spends. It's the all over savings l need to reflect on as long its an overall plus
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Mr Costcutter
    • By Mr Costcutter 24th Feb 18, 1:44 PM
    • 309 Posts
    • 818 Thanks
    Mr Costcutter
    Stay positive and focused - then 'your dream' will become a reality
    • shabbychic12
    • By shabbychic12 24th Feb 18, 5:18 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    I think sometimes is hard when your on your own when your used to running your ideas through with someone else. Even though l asked my DH what he thought l always did what l wanted in the end anyway lol. But l do miss someone else!!!8217;s views.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Mr Costcutter
    • By Mr Costcutter 24th Feb 18, 6:08 PM
    • 309 Posts
    • 818 Thanks
    Mr Costcutter
    Yes, it must be difficult. One things for sure - when posting for ideas/opinions on a matter on this forum - you will never be short of answers lol.
    • Mr Costcutter
    • By Mr Costcutter 25th Feb 18, 2:52 PM
    • 309 Posts
    • 818 Thanks
    Mr Costcutter
    I'm therefore going to consult an IFA and let him/her sort matters .
    Originally posted by MrAPJI
    Sounds a good idea
    • shabbychic12
    • By shabbychic12 26th Feb 18, 5:51 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    You see l'm too tight to pay for a IFA so it's all down to me. Might look into one and see the benefits.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
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