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Tales from The Shire

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  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No need to suspend your diary.
    Please don't keep us suspenders!
    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.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,110 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    beanielou said:
    No need to suspend your diary.
    Please don't keep us suspenders!
    Cornish_mum said:
    Your plans sound excellent Fortune, will miss your updates but understand your logic, take care CM

    I won't leave you in suspenders @beanielou 😂 I'll pop in from time to time but I really don't feel comfortable posting about my plans to  spend more - it's not the right place for it here and I'd feel insensitive in the current financial climate.

    Thank you @Cornish_mum.  I started my first diary here almost 10 years ago so feel as though I've done my time.  It's been a fabulous tool and has really helped me achieve our goals.  I'll be back to regular posting in a blink if I fall off the wagon 😉

    Fortune x

    https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
    Working at Living
  • themadvix
    themadvix Posts: 8,776 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Excellent news about the visas!!

    I second/third/fourth that we’ll miss you and your organisation in your posts - you always seem so on top of your goals and plans. Don’t be a stranger! 
    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 Hemingway


  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fortune_Smiles said:
    NOT TO KEEP YOU IN SUSPENDERS...

    ...we have the final visa for our Ukrainian guests and they fly in on Friday 😁

    Fortune x

    Hurrah.At last.
    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.
  • greent
    greent Posts: 10,780 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh -I’ll miss you -  please at least keep us updated with news about your Ukranian guests - I'm so glad they are finally coming over! 
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your new guests got their visas
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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