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Always! It's like getting Sundays off in Lent.mark55man said:And the - its the exception that proves the rule night(s)2 -
Thank you for staying and getting it doneAchieve 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 29/7/253 -
Well done for getting through. It's my bd this weekend too!Debt free Feb 2021 🎉3
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Awwwww, thanks all
I survived the 3 days, very tired now though and feeling very sorry for my full time colleagues that have another two days of it.
I'm not brave enough to do dry January or Lent - maybe next year?
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2 -
Well done on getting through it!
Hope you have a lovely few days off & a happy birthday 🍾
As a fellow January birthday baby I flat out refuse to ever contemplate dry January 🤣🥂🥂3 -
Happy Birthday Ohsh and @DrawingalineAchieve 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 29/7/251 -
Happy birthdays to both of you!🎉 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/her1 -
Happy Birthday for the weekend and don't beat yourself up about the odd glass of wine. I do find though that snacking and wine/gin tend to go together and as my birthday is February I am doing dry January but failed on a visit up to see my mum on the 10th as we did a family meal out with a taxi booked so turning down prosecco and gin seemed a waste of a taxi!! One drinking day out of 20 doesn't seem too bad.
I did think a job would be the making of your entitled teen so that is great news that she is so much nicer to be around. Booking her tickets to a show is a nice thought and hopefully she will spot the correlation of her nicer behaviour with treats offered.
Definitely keep some personal money back from your DHs bonus. Do you not get personal spends each from your normal budget? We have £300 each per month plus sometimes get birthday money from my mum and that has helped reign my husband in from frittering our joint account balance. It also means I can splurge every now and again when my personal account balance has built up.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80003 -
Same.... maybe dry February instead? It's a shorter month for a startDancingInTheRain said:Well done on getting through it!
Hope you have a lovely few days off & a happy birthday 🍾
As a fellow January birthday baby I flat out refuse to ever contemplate dry January 🤣🥂🥂 Happy Birthday to you too DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
Thanks SH and EH
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4
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