Onwards to freedom!

SuperSecretSquirrel

Thanks MFD

Karmacat

Congratulations! All the more amazing in context of your sig, shows how hard you've worked to get there.

edinburgher

I like SSS's sig, it's a great example of a virtuous circle

SuperSecretSquirrel

Thanks KC and Ed Virtuous circle, I like the sound of that

Just plodding along now until payday... The last two thirds of each month tend to be pretty boring financially!

SuperSecretSquirrel

Today WILL be a no spend day, I've already summed up the May spends...

In May we spent:
£1529.69 on bills (running our home and two cars)
£326.11 on weekly shops (food, cleaning products, toiletries, nappies, etc)
£408.68 on everything else

The bills figure includes our £828.48pm accelerated mortgage repayment and insurance for one of the cars for a year.

Net worth update day tomorrow

Karmacat

Those are good figures, SSS, well done again!

Can I ask a favour? I notice you already read the first post I made today, on my diary - can I ask you to pop back and read the second, and comment if necessary? At the end of it, I've listed 3 action points to jiggle around the money and get it earning more, within the next year.

**bats eyelids**

SuperSecretSquirrel

Thanks KC Popped over to your thread last night, glad to see I was of some help! :beer:

Karmacat

Mucho gracias :T :A

SuperSecretSquirrel

[SIZE=2][FONT=Courier New]               CURRENTVALUE       +/-MTH       +/-QTR
House Value:    [COLOR=Blue]£125,000.00[/COLOR]        £0.00        £0.00
Cash:            [COLOR=Blue]£43,114.61[/COLOR]      -£35.28   -£2,188.96
Pensions:        [COLOR=Blue]£69,478.24[/COLOR]    £2,638.81    £3,534.67
Car Value:       [COLOR=Blue]£15,445.00[/COLOR]     -£525.00   -£1,155.00
S&S:             [COLOR=Blue]£18,567.37[/COLOR]    £1,472.71    £3,373.78
Mortgage:       [COLOR=DarkRed]-£19,426.93[/COLOR]      £740.51    £2,217.62
Due to HMRC:       [COLOR=DarkRed]-£494.41 [/COLOR]      £41.49      -£24.55
Student Loan:      [COLOR=DarkRed]-£732.19[/COLOR]       -£7.16    £1,263.10
[B]Total:          £250,951.69    £4,326.08    £7,020.66[/B][/FONT][/SIZE]

83.7% of the way to 300k net worth (2020 challenge), 15.5% mortgage ltv, £41,760.64 beyond mortgage neutral in liquid assets, 15.3% financially independent.
__________________________________________________

Wow, what a month!

Pensions and S&S have performed wonderfully. Car depreciation was particularly bad last month, but not bad enough to take the shine off May

Net Worth has crossed the quarter of a million mark :j Roughly split 50/50 between house value and everything else

Another nice couple of milestones achieved this month - we are now over 40k ahead of mortgage neutral in liquid assets, and are over 15% of the way to FI at a 4% withdrawal rate.

Net Worth increased by pretty much double our net income in May. If I didn't have all the figures in black and white in front of me I wouldn't believe it!

edinburgher

Quarter of a million? Now there's some walking around money, well done SSS