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Milanns mutterings on this last milestone.
Comments
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hi milann
Lovely to hear your DD is doing so much better
You sound like you are putting lots of effort in still at work - good luck with your application for a new job too.
Sorry to hear about your wider family, al the more reason to treasure every day and make the most if it I reckon!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Had a lovely day today at christening - cuddling great niece and great nephew - only a few weeks between them. I had to smile as I sat in corner of garden in shade taking turn with my SIL with the babies on my knee - around nine months old now - and my nephews just kept me supplied with copious amounts of food and wine. I was in my element and they were glad of a bit of time with their mates without worrying about little uns. My brother made it to this Christening but he did not look well at all - but he pulled off being proud grandad perfectly LOL - will be glad when they find out what his health problem is. As I typed that my heart went out to DT.
From there we went to MIL - I was corrected when I said she was 88 - she is 89 today. Hope I have half her gumption at that age.
Was asked out for a meal with Mil and that branch of family this evening, but can't really afford it. Declined saying we were full after Christening - which was partly true. Am feeling quite pleased as one time I would have just gone and not thought about the expense. One day I will be debt free and not have to worry about such things.
Probably as well as when we got home both myself and dh promptly fell asleep on chair. Was awake half the night as it was so clammy last night.
MilannJanuary spends - £587.580 -
Glad that you had a nice time at the christening.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.0 -
Got an interview on Monday - ahhhh - not had one of those for nearly 8 years. Exciting and scary stuff!!January spends - £587.580
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Great news hun
Positive vibes your way.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.0 -
Good luck with interview0
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Had a busy day today because the assessor has been in work and assessing me and questioning me for the course I'm doing - should finish on Thursday just got to do the last couple of assignments HA - I will be burning the midnight oil me thinks - but not before interivew on Monday. I'm quite pleased to have got this far. I know in the first 3 days they had over 50 applicants. I have worked out that I should get roughly the same money for 10 hours less work a week - so that will be ok - if I get it I will take the job - if not I'll put it behind me and carry on where I am until something else turns up, but will only take something I really want - no point jumping ship for the sake of it.
House if an absolute !!!!!! tip but it will have to stay that way until I've handed the assignments in. Why does EVERYTHING happen at once. At least it's all good things that are happening at the mo - and they are my choice - none of this has been forced upon me.
Better get on.
MilannJanuary spends - £587.580 -
Think I said but hope all goes well.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.0 -
Just catching up - good luck with the interview on Monday and well done for just getting that far by the sounds of it!
Have a good weekend in preparation xSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Good luck with the interview - hope you get it it would make a massive difference to youAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250
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