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Baby steps to mortgage freedom for beanielou.
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ย Have a lovely time on Friday night ๐ Hope you get the presents sorted.
Thanks for solving the FD problem for me ๐๐๐๐January spends - ยฃ587.584 -
when we did the christmas "goodie bags" for Niece and nephews when they were smaller, we always just wrapped everything in tissue paper using a single christmas sticker to seal each one - far easier wrapping and they still had the fun of lots of unwrapping! (That was back in the days when the land of pounds sold massive sheets of christmas stickers and big packs of tissue though!)ยsavingholmes said:I hate wrapping. But little kids especially like plentiful presents and don't care what they cost - but that results in more wrapping for not a lot spent...ย
Beanie - do NOT get carried away and spend that ยฃ10 all at once now will you!
ย ๐ MORTGAGE FREE (First time!) 30/09/2016 ๐ And now we go againโฆNew mortgage taken 01/09/23 ๐ก
Balance as at 01/09/23 = ยฃ115,000.00 Balance as at 31/12/23 = ยฃ112,000.00
Balance as at 31/08/24 = ยฃ105,400.00 Balance as at 31/12/24 = ยฃ102,500.00
ยฃ100k barrier broken 1/4/25
Balance as at 31/08/25 = ยฃ 95,450.00. Balance as at 31/12/25 = ยฃ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
I have been a very naughty beanie!!ยA fab wee lunch from the bakers after my last Pilates class of the year.ยA roll of Christmas tape made out of brown paper(who knew~~ not me) & that Christmas bonus is all gone. Ooops.ยI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
At least you enjoyed the bonus ๐ ๐ผ๐๐ That bonus has been ยฃ10 since I cared for a relative when my children were tinyโฆ..my children are now in their 40โs ๐ตโ๐ซ๐ตโ๐ซ๐ตโ๐ซ๐ตโ๐ซJanuary spends - ยฃ587.584
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Glad you had a nice lunch
ย ย "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 McGee3 -
It was so lovely jwil.ย
How can people afford to do that every day though!!
@maman.ย We were just talking the other day about a relative who got it 35 years ago & it seemed like it was worth getting 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Better in our pockets than theirs. There have been stories they would remove it altogether.ย
Glad you had a treat with it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
3) Mortgage neutral by 06/30 (AVC ยฃ41.6K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.4K) = 47.6K of ยฃ127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
5) SIPP ยฃ5.6K updated 16/5/263 -
Lovely afternoon tea today with my friend who does my bits & bobs.ยGirls night out tonight.ยI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
The bad news is that my new silver crown on my tooth is quite noticeable in pictures.ยHey ho. Was too mean to pay for the white one! ยMy friend bought me a really lovely Snoopy Christmas sweatshirt. I wore it today. ๐
(with her encouragement!)ยI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
And I bet no one else notices it but you ๐ Glad you had a lovely time. Enjoy tonight ๐ฅI get knocked down but I get up again (Chumbawamba, Tubthumping)4
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