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Get a grip woman!
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And good for you @ruby_eskimo for helping your colleagues do the same!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway7 -
themadvix said:And good for you @ruby_eskimo for helping your colleagues do the same!
Sorry for hijacking your thread @Suffolk_lass!
Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20177 -
Lovely hijack there, ruby, I'm sure SL will be pleased with an active conversation about pensions. Good for you for doing what you're doing2023: the year I get to buy a car5
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I certainly wish we'd been in a position to do more about pensions earlier than we did - our circumstances were a mix of lack of knowledge/not working for companies with pension schemes and then having clearing the mortgage as a priority, and we have got some other planning in place, but no question better pensions would have been an "ideal world" plan. Mine will never amount to much, but we are looking into building MrEH's up more with additional contributions now.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Argh. I'm catching up and wish I'd paid more attention to pension planning than paying off a mortgage. Live and learn but a very hard lesson for me to have learnt this year.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5 -
I love the hijacking - no problems from me. I think our diaries are excellent places to share things we are doing and for others to take elements for themselves, and share their own approach.
Well done @ruby_eskimo - I used to talk to my colleagues about pensions too - in fact I still get approached occasionally to talk them through something. You are right about that gap - that is where we are. Our occupational pensions are really good but there is still a small gap and the capital gets tapped a bit (planned) ahead of ours, with three years until DH gets his.
Good to see you @Watty1 - you really have had a time of it. I will pop over for a catch up on your diary in a bit.
I am content this morning - I did not realise how much headspace my gynaecological issue was taking up. This is all resolved now and it literally feels like a shelf of books has been removed from the library of my head, freeing up my thinking. Everything is normal and my symptoms will go as the remedial solution settles in. I won't traumatise you be going into further details but basically the pandemic delays caused an issue and serious possibilities had to be ruled out.
On the way back from the joyous hospital appointment we stopped at Sainsbugs and I got the mince pies, orange juice and fizz that I need for Saturday's Mimosas and snacks for the wreath-makingSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here7 -
Good to hear your health issues have been resolved SL4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!5
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Delighted to hear you've had positive news on the health front SL - and that there is a solution that will sot things out.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Likewise, and glad you're feeling the relief - you never realise how much something is weighing you down until it's gone.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
themadvix said:Likewise, and glad you're feeling the relief - you never realise how much something is weighing you down until it's gone.2023: the year I get to buy a car4
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