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Easter 2025 I’m coming to get you!
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We have a frog in the pond!!! :jSPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1
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What a week! Finally the boy has finished school but this week has been full of activities and therefore expense. Requested £20 from Prolific as they seem to be taking ages to pay me at the moment, I’ve got nearly another £9 that is still awaiting approval. Anyway when the money arrives it will go off the mortgage. I’ve run out of food money already this month so I’m dipping into the Carfest funds I’m afraid. Got to get pack up stuff for holiday club next week and then loads of picnic stuff for next Friday as I don’t want to spending all my funds on food. Tickets arrived today so I need to sort out directions and make a list of what we need to take, bearing in mind I’ll be carrying it all.
Although there is no official homework over summer we have lots of things to “keep up with over the holiday so he doesn’t forget”; in my book that’s homework. Anyway off to the mobile library in the morning to sign up for the reading challenge. He also has a diary scrapbook thing to fill in with pictures and photos and he has to write what he does and how he feels. Good job we have some days out planned.
Frog has been spotted several times and I think we might have two as I’m sure one looked bigger than the other. Trying to plan planting the edges but I need to dig out and line to make slightly boggy areas, lots of jobs to do as normal!SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Just made an overpayment of £20.82 with the Prolific payout. Tax credits go in tomorrow so once I’ve moved the childcare money what is remaining will be for Carfest. I’ve really no idea how much we will spend. I’ve allocated £40 for petrol and will do a picnic food shop on Thursday evening to try and keep food spending money down. I have broken into the allocated funds already though, July has been a long month! We did a shop yesterday for pack ups and then went to “the orange shop” as my boy calls it to get horse poo (composted manure), a couple of grobags and we also got an apple mint for £1. The courgettes are starting to appear so a mint plant of our own for the endless courgette, pea and mint fritters will be handy
I’m kind of spending a bit more than budgeted at the moment as stuff in the garden needs doing and must be done in summer, also summer holidays spend are looking “large” :eek: We decided to have one day being a tourist in our own city as it’s something we never do, well when you live there you don’t really do you. We are going to have a trip on the open top bus one day; I’d promised him we would do this and then discovered it will cost us £25. The rest of the day will have to be free I’m afraid. I also thought at the end of the holiday we may go to Jodrell Bank. It’s another 2 hour + drive but they are having a lot of 50th anniversary moon landing stuff on and my boy loved it at school when they did space as their topic. If I can get him interested in things all the better.
We signed up for the summer reading challenge yesterday at the library van. We cycled down which he really enjoyed; we cycled on the roads :eek: Today we are going to the local dog show although we don’t take Hetty as she gets extremely scared around people, she’s a rescue hound rather than an ex racer. We only really go because the ladies from the local church sell amazing home made buns, they will be much better than our homemade buns we did yesterday. Back to work tomorrow and first week of my new day off so I’ll have to work four days in a row! Got really used to only having to work two days before having a day off. Still if I go back full time then it’s good preparation.....Oh I also went into my old department last Wednesday to do some training for my replacement and they are going to pay me for three hours so when I get that I’ll pay it off the mortgage too.
SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Been on a Developing Personal Resilience course today, which finished a bit earlier than advertised so I’ve snuck back home for a half hour before I pick the boy up. Just arranged a phone call for tomorrow at 4:30 regarding a job I applied for, should only take 15 mins then tomorrow evening we will have to get petrol and picnic stuff for Friday.SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1
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Good to see you celebrating the wins. Enjoy your holiday and hope the job application goes well.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 29/7/251 -
Hope you have the best time at Carfest. The weather should be good and the events are fab. You've worked hard for it, now enjoy it xxx1
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Enjoy carfest:)I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Picnic packed and weather looking good. My son still has no idea.
Excited!!! :jSPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)1 -
Didn't realise it was a surprise trip for him. Have a fab day.Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23181 -
Enjoy. :TI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1
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