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Trying to get on track
Comments
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I have somewhere. Maybe it will appear if I get on top of the decluttering too.
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Welcome back inod! You sound like you had a great time. Fantastic news on the weight loss. To come back from hols with an actual weight loss rather than a gain is no mean achievement in my book. Positivity as well on the mortgage front. Way to go!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
How sad is this. I'm excited about it being mortgage quarter end tomorrow so I can see how much my op have reduced the interest charge. Anyhow, a day of bits and pieces though oh did a dinner plan for this week and I visited lidl to get fruit, veg and other essentials such as bacon. I also tackled some work stuff to give myself a head start for tomorrow. Today I am grateful for
Weightloss
Friends, here and RL
Tea
OH putting a free gift on ebay.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
did anyone else see the interest rate forecasts on the BBC website. 2.5% in 2017 and possibly settling long term at 5%. while it's a long way from the rates of the early 90s, that size of an increase scares me. so today was NSD but not brilliant food wise. i resisted the birthday buns in the office but then had a few random sweets. also, due to someone not advising me that a meeting was cancelled before I made the journey, lunch was at my desk so no real exercise done. I did however update my sig as I'm pleased to note that since the start of the year my quarterly mortgage interest charge has reduced by £10.72. i also made the OP relating to my M&S voucher but TT to £9.30.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Great to see that reduction in the interest! xDebt remaining:

Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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in_need_of_direction wrote: »did anyone else see the interest rate forecasts on the BBC website. 2.5% in 2017 and possibly settling long term at 5%. while it's a long way from the rates of the early 90s, that size of an increase scares me. so today was NSD but not brilliant food wise. i resisted the birthday buns in the office but then had a few random sweets. also, due to someone not advising me that a meeting was cancelled before I made the journey, lunch was at my desk so no real exercise done. I did however update my sig as I'm pleased to note that since the start of the year my quarterly mortgage interest charge has reduced by £10.72. i also made the OP relating to my M&S voucher but TT to £9.30.
I didn't see that INOD but it's scary indeed. I'll have a hunt for that. Glad I fixed by mortgage and am overpaying, it was probably you that inspired me now I think about it.
Hooray on the interest reduction :T0% card was £1126.91 / Now £1502.37
AFD March 2/15 NSD March 2/11 :T
Other debts paid since 1/1/14: £17,0050 -
And there I was thinking that the only ones I inspire are spiders to live in the dusty bits of my house!June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Ooh. You've just reminded me to read the gas meter. Thanks:rotfl:OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
How did I do that?June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Well, I'm not sure now. I was just about to catch up on your thread when I thought I saw a post about you reading the meter so I thought I'll quickly go and read mine before catching up.
But you are right, I must have been having a funny 5 mins. :rotfl:However meter read and it was only £17.79 for last month and my account is £92 in credit. I should be switching to Dalligas soon so will be a refund
Feeling rather tired tonight after a very long first day.
OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0
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