*sigh* this may take a while
Options
Comments
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Exciting times. Sounds like you have positive options.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%2 -
I've accepted a role in a neighbouring trust.... I'll be doing 2 days NHS and 1 day private work. They've put me at a nice point on the pay banding and an outer london pay uplift. The private day pay's an extra 40%. Overall, I'll be earning 35% extra and I can choose my hours, breaks are scheduled etc... looks really promising.
Christmas shopping all done and wrapped and this month's finances are looking good
Debt - Car loan £19k. New savings goals: Emergency fund £1000/£1000, FFEF £200/£1000010 -
Congratulations 🎉 great end to the year x4
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Fabulous news. So pleased for you. Congrats.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
2) Spend on handyman & external building works & new patio door £12.3K
3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%3 -
Congratulations on the new role.paydbx2024 #2 £480/£5000 . Mortgage £144k start ~ £148k Jun 23 -
2024 savings challenge £5/£2000 EF £140. Savings 2 £30.00. Weekly savings envelope #174 -
Fabulous news congrats. Sounds like your current trust could learn a lot from this new one.*Dad loan - £5300 - £1700
*Virgin Credit Card - £3552.50 - £0
*Barclaycard - £0
*Total debt - £1700*
*Sinking Fund - £2000/£3000*
*Emergency Fund -£50/£2000
*Debt Repayments Pot - £0/0*
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4 -
Well done on getting the new job.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.4
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good job !!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Brilliant newsSealed pot challenge 822
Jan - £176.66 :j4 -
So pleased for you. It sounds as though you've fell on your feet.
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy4
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