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Enough lurking, it's my turn.
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Glad you had a brilliant day CSA - those presents sound DFW-perfect too!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Glad that your day went well and you got good pressies... Hope You have a good rest of holiday and happy new yearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
Well, the last guests have departed and OH and I have spent a lovely morning in the garden. Have managed to pay a few quid off already this year so things are going ok so far!
Happy new year to everyone, I know I'm a bit late!0 -
well done you! Happy New Year - Make it a good one LOL!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
Oh my word. What a day. I broke down on the motorway at 0615 this morning, got out of the car as they tell you, and then froooooooozzzzzzzeeeeeee until 0800 when I was recovered. Car is still under warranty thank goodness so all was easy and a courtesy car delivered by lunchtime so can't complain at the service but I can't remember the last time I was that cold.
Still, watching the sun rise over the M40 is an experience I'm unlikely to forget soon!
Also had to go to the dentist this afternoon, how ironic. From the other end of the drill this time, I was a good girl though but not 100% happy with what I have received. We'll get there though, as long as it's by May (when I get married).
Also, had news that my best friend's sister (I was a bridesmaid for best friends wedding and so were all her sisters just last week) has been admitted to hospital so we are all praying and hoping that she is ok.
So for the first day back at work it was eventful, my boss couldn't believe I went into work smiling when my feet hadn't even defrosted. No point being miserable though, it doesn't change owt!0 -
That sounds like a really tough day - glad you got thro it ok and home safely! Hope you have something positive planned for tonight!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
[QUOTE=coldstreamalways;28436503
So for the first day back at work it was eventful, my boss couldn't believe I went into work smiling when my feet hadn't even defrosted. No point being miserable though, it doesn't change owt![/QUOTE]
So true....I think if you can smile it goes a long way!! Hope you have managed to warm up, and that your friend is ok.LBM Total: £33356 15/11/09 :eek: £6085.63 paid
Pay off 10% by March 2010 (3336) yes!!!:j
Pay 19k by Dec 2010 19000/5732.39 30.12%
DFW Long haulers #198.
23/40lbs0 -
I got to within half a mile of work today (I live 35miles away) and got stuck so now I'm the only one here and really worried I'll not get home. Don't know what to do.0
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Made it. Never again.0
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I was a chicken and didn't even try to get to work today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260
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