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Milanns mutterings on this last milestone.

16465676970109

Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What sort of top are you going for?
    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 10/10/25
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    SH - Will be going for sylish t-shirt typetop - it's not the sort of job I can get dressed up for!!

    TADA
    - PAID OFF ABBEY LOAN :beer::j:beer::j
    - Transferred everything I now owe to 0% card - and including gym membership I am just going out to sort - my total debt should be no more than £3.300 - WILL pay before 0% period finishes (15 months) - hopefully well before!!

    - Washed all ornaments in hall, washed and ironed cutains in hall.

    - Stripped bed - done 4 lots of washing and 1 lot of ironing

    I am well chuffed :D:D:D - can't believe I've come down from over 20,000 to just over 3000 - and have still had some treats, had an extension to the house and lived life along the way.

    With those figures I feel more than ready for my new start on Monday.

    Off to the gym and into local town - decided to give Manchester a miss today.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done - I wish I was down to my last £3k of debt! It will come tho....

    Hope gym goes well
    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 10/10/25
  • beanielou
    beanielou Posts: 96,603 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news for you :)
    Its a fantastic feeling isent it :grin:
    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.
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I went to the gym to ask about renewing my membership - IT DOESN'T RUN OUT UNTIL OCTOBER - I was convinced it ran out in July. I originally joined about May time 5 years ago - they had a brill offer at the time. Then I got a free month for completing a nutrition programme and another free month one year when they were giving 13 instead of 12 offer - so I make that July - but I'm quite happy with it being October. I wondered why I hadn't had a reminder!!

    I did 20 lengths and had a long soak in Jaccuzzi then steam room and I'm booked in for Tai Chi on Thursday.

    Went into town - parked 3 hours in Mr T carpark - went and treated myself to a coffee and sandwich then looked around town for a top - everything I tried looked rubbish - tight in parts - baggy around others or I looked pregnant. Fraid the only answer is to get myslef into better shape all round!!

    Was just about to give up and went to Matalan - they had a half price sale on some bits - I got a white border anglais top which fits perfectly for £7 :)

    Since I was parked in Mr T carpark - I thought I'd better do some food shopping - I spent £51 - but had got enough to last most of the month other than stocking up on fresh stuff. It made it so easy as I knew exactly what I had in after clearing out yesterday.

    Have a lovely weekend - hope it stays sunny.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What fab news!!! At least you can get your money's worth between now and your renewal date and decide whether or not to renew at that point
    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 10/10/25
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Everything sounds fantastic and definitely like a new start....new top,nearly out of debt,new job,new everything really
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Good to see you here Taxi - don't feel under pressure though - I'll always pop onto yours and fill you in whilst you are RESTING - a WELCOME site though.

    New job is ok - teacher phoned me at weekend to let me know the format for Monday - a nice touch, I thought. Everyone seems lovely - getting children in tomorrow so I'll have a better idea of what it'll really be like. Seems strange being 'new girlie' though and having to ask where everything is etc - by this time next week should be fine.

    Made a roast dinner after work today - I like being home before half three!!!!!! I have to stay for a staff meeting once a week until 4 pm - but we get PAID - unheard of in my last place - the pay not the meetings.

    I'm aiming for a swim after work tomorrow.

    Milann
    January spends - £587.58
  • beanielou
    beanielou Posts: 96,603 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that your first days have gone so well.
    Are you a nursery nurse then?
    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.
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    That's right Beanie - last place was an inclusive nursery - I was SEN nursery nurse - this place is a special school and I'm in the ASD unit. Not a lot of chance of being bored - we have some good fun!!

    Didn't make the swim as had some things to sort after work.

    TADA list
    - I finally sent some thankyou flowers to friend - been going to do this since end of July!!
    - Made cauliflower cheese for tea to go with left over chicken form last night - delish
    - Also made cauli and pasta bake for tomorrow night - might grill bacon to go with this tomorrow.
    - Took dinner again today
    - have kept house tidy for 3 whole days

    Milann
    January spends - £587.58
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