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Prosperous soul in the making
Comments
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Glad your Christmas present is installed, often just a small change makes a huge difference and gives a much needed boost at times.
Think about how much you have paid off in 2019, I'm sure you will find it's more than you planned to.
Each time DD comes off her bike, it knocks her confidence. She needs to go for a small practice somewhere safe to build her confidence back up; she's doing well to be riding in December.
The gifts for DS sound great.
I'm sure your car will appreciate it's Christmas gift.
You sound like you need your me time, grab some cake, coffee and put your feet up xMortgage started 2020, aiming to clear 31/12/2029.0 -
Sorry I've been MIA from your diary holmes, I do hope you enjoy your time off and find some time to relax and reflect on how much you have achieved this year xx0
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A very well earned 2 weeks off, I'm sure! You've paid off loads in 2019, this time of year is always a killer. Ouch at the uni costs right at the end of the year!DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved0 -
Agreed. Ideally I want to paint behind the radiator and do the gloss work in the downstairs w/c before MIL comes on Boxing day. That would give me a lift - as the gloss work is yellowing and has been nagging at me for a while. DH is at work so he would be out of the way.MovingForwards wrote: »Glad your Christmas present is installed, often just a small change makes a huge difference and gives a much needed boost at times.
You're right - we owed £42.5K and now we owe £25.2K - which even accounting for a £6.8K ppi reclaim is still phenomenal progress. By mid Jan pay day should get down to £24.8K.MovingForwards wrote: »Think about how much you have paid off in 2019, I'm sure you will find it's more than you planned to.....
Again you're right - and I am unconsciously comparing her to DS who just got on with things and I forget to make enough allowances.MovingForwards wrote: »Each time DD comes off her bike, it knocks her confidence... she's doing well to be riding in December.
Absolutely - been doing that a little. Car went through the service yesterday at no extra cost which was a relief.. I also got some bargains at an outlet village - particularly pleased with 6 lots of £1 b0dysh0p lotion. Me and DD love it and it was a massive reduction!MovingForwards wrote: »You sound like you need your me time, grab some cake, coffee and put your feet up x
Today, I finally put up a string of Christmas lights on a couple of bushes at the front of the house today - so progress. Still want to wrap green garland around the banisters inside and some berry lights. I've also bought some outdoor baubles that I am planning to put out tomorrow. I think I have another set of lights too I could potentially run from the shed but need the light to do that.
no worries - I am a bit sporadic currently too - there is so much going on. Hope you are okay too. Yesterday me and DD met a friend and her daughter at a pub for a meal which was nice. Today, I took our pooch out in the winter sun for a run around - as in she ran in circles around me LOL. Did us both good. I also got a shop delivered - and then cooked the meat I want for later in the week - some gammon and beef as well as some chicken for tonight.Sorry I've been MIA from your diary holmes,...xx
I know they are literally due New Year's Eve. Cruelty! I have a horrible feeling we paid DS and he made the payment last time so potentially need to contact him to sort it out.ohshithowdidthathappen wrote: »A very well earned 2 weeks off, I'm sure! You've paid off loads in 2019, this time of year is always a killer. Ouch at the uni costs right at the end of the year!
My M&D have paid me for the xmas presents i bought - so I'd better sort their pressie now LOL. I've wrapped presents for DD and 4 smallest nephews and a niece. Still need to wrap everything else. So much to do this time of year.
Merry Christmas and Happy New Year all!:xmastree::santa2::snow_laug:snow_grin:xmassmileAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
That is a massive amount to have paid off this year, well done :T :T
I hope you all have a lovely Christmas :xmastree::xmastree::xmastree:"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 McGee0 -
Well done with the body lotion. It is those small wins that cheer me the most when I get them.
Happy Christmas
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20250 -
Have a good Christmas and New Year SH.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park0 -
Hope you had a great Christmas SavingH!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hope you've had a fab Christmas savings x1st May 2025
Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
Mortgage Balance 2: £84,420.24 Now: £83,562.45
Credit Card Balance 3: £10,911.76 Now: £7,237
Student Loan £TBC0 -
Hope you've had a lovely Christmas Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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