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Easter 2025 I’m coming to get you!
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Hello, been a bit quiet as life is so busy! Having some behaviour issues so got the school involved and they have given us a workbook about coping with challenges and are checking in with me again next week. Started getting emails from the school about lack of work submitted and today have asked my work if I can use holiday and reduce my working day a bit. I’m not superwoman and never professed to be so I wish everyone would stop expecting me to act like her. Anyway payday today and I’ve made another OP of £70.42 to round the mortgage down to £55,900. I’m spending way more on food just because I can’t get to my normal shops and what is left in supermarkets is the more expensive stuff. Also I’m feeding a very hungry 7 year old who did admit today he eats more than I do. No petrol to pay out so that’s a saving and I’m currently putting half my childcare amount into the separate childcare account. I managed to get some compost delivered so hoping I can get some of my seedlings potted on at the weekend and I’ve got a click and collect food shop on Saturday. I’ve treated myself to some new sports kit; one benefit of lockdown is I’m working out 5 days a week with Joe Wicks so I’m fitter. I even went for a run on Sunday and my son was on his bike so I could just keep going. Amazingly through it all I have even read a book and started a new one.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%)6
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I am glad the school have offered some support. As parents we are all too ready to beat ourselves up anyway and if others join in we just crumble. You can only do what you can do. Schools build in a lot of repetition anyway. Glad you are getting fitter and healthier and have a focus on the garden too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Some good news at last. Work have agreed that I can finish at 2:30 each day and I don’t have to use any holiday. Apparently there are other employees that can’t do their full time hours so this is the arrangement HR have in place. Would have been nice to have been told that before instead of letting me struggle on but never mind I know now 🙂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%)6
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That’s great news.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.5 -
Great result. Hopefully that will ease some of the pressure.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Great news hetty, I hope it helps to relieve some of the pressure on you. Take care xMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
Just overpaid £200 😁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%)5
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Nice! Well done hetty!Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
Fairly quiet on the mortgage front at the moment although my DD will go out tomorrow. Just got my tax credits renewal pack so went online to make a change. My predicted income for next year was too low because I went back to work full time in January so waiting to see how that affects things before doing another financial review. Food still costing me more but no travel or childcare although I am still putting the childcare money to one side until I know what is happening about payments etc. I’m not very hopeful about today’s announcement; saw a few parents over the weekend when out exercising and we are all now desperate to get the kids back to school as they are all suffering, getting restless and wanting to see friends and teachers etc. Not terribly hopeful on that front ☹️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%)4
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Well done on the OP. Hope you get what you wanted from the announcement.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251
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