Onwards and downwards...
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Happy birthday. Give it another 10 years and you'll get your social life back.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.0
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retiredandskint wrote: »Happy birthday jwil :bdaycake:. 40 is a brilliant age to be.
So little jwil has a more exciting life than his parents :rotfl::rotfl:
Enjoy your day.
Thank you, it was yesterday Yes Little jwil has a much more exciting social life than me!in_need_of_direction wrote: »Happy birthday. Give it another 10 years and you'll get your social life back.
Thank you They say 50 is the new 40 :rotfl:"If you can dream it, you can do it". Walt Disney0 -
As well as my other gifts, DH gave me £40 to add to my LISA so that's bumped it up a bit!"If you can dream it, you can do it". Walt Disney0
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Happy belated birthday Jwil :bdaycake:LBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.0 -
Hello new subscriber!
Happy Birthday JwilNo Spend November 2/15 and SPC 1340 -
AdventureWanted wrote: »Happy belated birthday Jwil :bdaycake:
Thank youindigowarrior wrote: »Hello new subscriber!
Happy Birthday Jwil
:wave: Thank you I love visitors"If you can dream it, you can do it". Walt Disney0 -
Hope you had a wonderful birthday Jwil
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WannabeFree wrote: »Hope you had a wonderful birthday Jwil
x
Thank you"If you can dream it, you can do it". Walt Disney0 -
Happy Birthday!Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%0 -
Happy belated birthday xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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