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South_coast said:Tell him that his gift is seeing how happy you are with your new handbag 🤣
I've just checked my bank account and I have £17 left so I'll be able to get him something... probably lots of chocolate
I've just topped up my regular savings accounts and made an overpayment to the mortgage of £256. From now on we're going to have to overpay by £250 a month to make our target of repaying the mortgage 5 years early. That should be easier from September when DD qualifies for her 30hr free nursery care. That reminds me that I better apply for that before I forget! Off to do some research now as it's a long time since we qualified with DS.Mortgage-free wannabe 2025 £571/30002 -
Hope the Application is straightforwardAchieve 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 6/7/251 -
I felt like a millionaire when the free nursery funding came through!!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
Hurray for the 30 hours makes such a difference!2
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After 3years of debating buying a new sofa we have finally ordered two
our current sofa has definitely seen better days but we had been putting it off until both children were potty trained. Fingers crossed DD is finally being more consistent so we've bitten the bullet and pressed the order button. They won't arrive for 13 weeks which gives us time to declutter the living room to make room for them. One of the main reasons we went for it was that we were fed up of having to sit on the floor now the kids take up more space
anyway that's not very money saving but definitely necessary. Actually our TV stand and dining table and chairs all need replacing too but we'll do one step at a time.
The only money saving thing I've done over the last couple of weeks is listing some items on Faceb00k. Only one listing has sold so only £4 made, but to be honest I'm just glad to get some stuff out the house. I might look into whether the local charities are taking donations and drop some stuff off with them too.
DS is really struggling at school now. He's even tried to escape and come home (luckily he was spotted). Meeting next week with the school...I just hope we can try and get to the bottom of thingsMortgage-free wannabe 2025 £571/30001 -
Hi so sorry to hear about DS; I hope you find out what is happening soon. Great news on the sofa CM1
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Sofa sounds exciting. Hope things sort with DSAchieve 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 6/7/250 -
This is turning out to be a very expensive month. Not only have we brought sofas we have also had to buy DD a new bed as her cotbed broke during the week
I had been debating when the right time to move her into a single bed anyway but fate has intervened. I've been busy tidying in her room today as we'll need to move the furniture around to fit a single in. Her bedroom also doubles as DHs office which makes it slight more challenging as he doesn't want a bed in the background whilst on video calls
Mortgage-free wannabe 2025 £571/30001 -
Ouch to bills. LOL at bed on video calls. Just blur background or use a filterAchieve 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 6/7/250 -
Hope things with DS resolve soon and the school are being supportive.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)1
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