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Baby steps to mortgage freedom for beanielou.
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Hope you find something to wrap up for DS. I wrapped all sorts of weird and every day household items for him and DD today of things I know they'll use even if they are shocked - so I fill out their stockings without it costing a bomb...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
It's a tropical 3 degrees here at the moment, and meant to get to double figures later. Hope the thaw is heading your way."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6
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Hoping for the thaw tomorrow
Another lazy day doing nothing!
Am hoping to get out tomorrow.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.6 -
Hope the thaw has arrived and you manage to get out today "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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Beanie I don't know if this is on offer in Scotland or whether you have a Sainsburys near you.
I have been in this morning and they have alcohol gift sets reduced.
I got an Edinburgh Raspberry Gin miniature with a Raspberry scented candle for £4If you go down to the woods today you better not go alone.6 -
Thanks.Grumpelstiltskin said:Beanie I don't know if this is on offer in Scotland or whether you have a Sainsburys near you.
I have been in this morning and they have alcohol gift sets reduced.
I got an Edinburgh Raspberry Gin miniature with a Raspberry scented candle for £4I may try tomorrow after physio.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.5 -
Sorry to hear about the FB Beanie, their loss I'm sure - and glad to hear you have been relaxing. Good news on the PIP, I hope that is lowering your stress levels.
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc5 -
Pleased you’re going to physio tomorrow, I wasn’t sure if you were still managing to get there 👍January spends - £587.584
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Yes, that is my weekly prioritymilann said:Pleased you’re going to physio tomorrow, I wasn’t sure if you were still managing to get there 👍 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.4 -
So I need one Christmas bag & a wee gift for DS to open.
I am currently stumped on that one though!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.5
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