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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a fabulous day - just the no arguments or whining made it worthwhile I imagine
    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
  • That theme park was definitely a win then - and I agree that was very reasonable spending allowing for your numbers! 

    I'm most definitely NOT a cardio bunny in the gym - it baffles me that people can go in spend half an hour each on the treadmill, bike and elliptical without getting so mind-numbingly bored that they fall asleep... I get my cardio from walking (running when I'm not injured) and cycling, I'm not going to spend money to do those things indoors staring at a blank wall, or screen!  Each to their own I guess! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Housework day today and then working the next 3 (2 NHS, 1 private), so shouldn't be spendy.  I've made soup for my work lunches :)
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    EH  - I much prefer walking the park or even down a street to a treadmill. Enjoying cloasses though.

    Ohsh - Well done on the soup and housework. Hope you have a good week.
    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
  • 65 def sounds reasonable for 7 people!  Hope your week goes well.  Time seems to go so quickly these days!
  • Busy few days at work, long weekend break now, which will be nice :)
    Soup was very tasty and saved me money as it stopped me popping to the shops!
    I switched energy provider a month or so ago and got the credit amount refunded yesterday, £230 which was nice.  I wasn't sure if we'd get it as the company are on the brink of collapse  :/  Have cleared the remaining balance on Next with it.
    House work day today, fun  :D
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Good work getting Next cleared - remember to keep an eye on your energy bills going forwards too though - with the way prices have gone we decided to pay our Bulb refund of credit straight across to the new supplier - although annoyingly that new supplier now seems to have lost it, not ideal! 

    Enjoy your “fun” day! 😆
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the Next OP @ohdearhowdidthathappen

    Ouch @EssexHebridean that would be my worst nightmare. I have taken a photo of my credit so hopefully mine will be okay where it is - but I am in limbo between 2 suppliers...
    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
  • Good work getting Next cleared - remember to keep an eye on your energy bills going forwards too though - with the way prices have gone we decided to pay our Bulb refund of credit straight across to the new supplier - although annoyingly that new supplier now seems to have lost it, not ideal! 

    Enjoy your “fun” day! 😆
    I did wonder about just transferring the balance to new supplier, but Next balance was annoying me :smile:

    New supplier has predicted what our bills will be and I've added 10% on to start with.  I've got their app and will keep a close eye, we're not great with our energy consumption.  Older kids especially are always wired up to some gadgetry.  And the tumble dryer and dishwasher get used daily  :s

    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Busy weekend, but not spendy.  Had MIL over for lunch Saturday and once she's here she stays all day.  My inner grump finds it annoying as she's local so we see her regularly.  But she's sweet and harmless and probably a bit lonely, so I go with the flow.  DH used to be quite naughty and leave me to entertain her, once he even went off for a nap!!  I'm quite firm with him now and he has to stay around.
    Sunday, I did an extra shift.  Those shifts are lucrative, but I try not to do too many as impacts on our weekend and it's a really early start which leaves me tired in the evening.  Still, the extra money will be nice towards Christmas spends
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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