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Easter 2025 I’m coming to get you!
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Happy New Year hetty! All the best for 2022 xMortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
Ah well the best made saving plans off to a rocky start so early in the year 🤦♀️ On NYE we discovered my son does need glasses for close work. His first pair are paid for but if we want a second pair that will be £20; as an eight year old I think it’s a wise investment. My stick blender broke, it was 20 years old 🤣. We are picking up a £11 replacement one from Argos today. I’ve got an eye appointment tomorrow after a nearly 2 month wait. My eye test will be £25 and my glasses around £180 (varifocals). Then last night I broke a tooth! Luckily it’s one that’s filled and a piece of the surrounding tooth has broken off so I can wait for an appointment. I used to be able to get an emergency one off appointment at my son’s dentist; they still advertise it at £95 but say there may be issues getting an appointment. As I’ve said I can wait for one as it doesn’t hurt (at the moment) but will need sorting and then to top it all off the cat is limping. It’s a front paw, there no damage, swelling or heat in it and she will let me touch it. No idea what she’s done as she spends most of her time under my bed. She may have slipped jumping up on to a chair or the bed as she sometimes does that now, she’s about 15. Looks a little better this morning so I will keep a close eye over the next couple of days. So the upshot of this is instead of new trainers it will be a tube of glue and I won’t be ordering the curtain fabric to make my son’s new curtains, they will just have to wait a bit longer.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 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Oct 2025 £17,729[/COLOR] 2025 OP £2156.36/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £4181/£21,930 (19.06%)5
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What a mare you're having, hetty! Hope the cat is ok xMortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!3 -
Blimey 😮! Hopefully you're getting it all out of the way for the year early doors 🤞Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Doesn't sound like a fun start to the year - hopefully it can only get better from here.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
Tooth fixed this morning for £95, anaesthetic just beginning to wear off. Eyes tested yesterday and two pairs of glasses needed; £265 🤦♀️ apparently I’ve developed astigmatism so I’ll never get my current glasses to focus properly. Hey ho, such is life...Cat is looking a bit better, not limping as heavily or dramatically (milking it 🐈). Jumping back up onto the beds so it seems like normal service is resumed.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 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Oct 2025 £17,729[/COLOR] 2025 OP £2156.36/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £4181/£21,930 (19.06%)3
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Sounds coatly but worthwhile. Glad 🐱 is better and your tooth is fixed.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
Watch it when you first start wearing them. I go a bit dizzy when I take them off when moving about. Especially when near stairs.Hettyhound said:Tooth fixed this morning for £95, anaesthetic just beginning to wear off. Eyes tested yesterday and two pairs of glasses needed; £265 🤦♀️ apparently I’ve developed astigmatism so I’ll never get my current glasses to focus properly. Hey ho, such is life.
2 -
My DS has that too.
Takes a while to get used to the specs.
He could not druve for a good while until it regulated.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.2 -
I adjusted straightaway. The hardest thing is looking at smaller items close up. I still sometimes find it easier to take my glasses off for that. The other thing is the second time I got them - I bought more expensive ones - so that they were better quality. I was certainly happier with the second lot -moving from Mr A to VEAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251
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