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Comments

  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the savings challenge
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I finished work Thursday and am all set for Christmas (I think!).... stayed within the budget we'd set and we had it all saved, so that's all good.
    Hope everyone has a good Christmas :) 
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • mark55man
    mark55man Posts: 8,207 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done and have a good break
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,060 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Happy Christmas and best of luck with turning the savings habit into reality in 2023 ;)
    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/£162.90
    Save £12k in 2025 #1 £12000/£7000
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Christmas ⛄☃️☃️

    Well done on it being pre paid too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fabulous on a credit free Christmas - well done! Hope you had a lovely day yesterday and enjoy the rest of the break. 
    🎉 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
  • ohdearhowdidthathappen
    ohdearhowdidthathappen Posts: 1,416 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thanks Mark, ES, EH and SH

    Have started a new diary ready for 2023.  Hopefully this link works :D 

    https://forums.moneysavingexpert.com/discussion/6413247/sigh-this-is-still-taking-a-while-but-moving-forward-slowly/p1?new=1
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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