Easter 2025 I’m coming to get you!

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  • Jessy103
    Jessy103 Posts: 1,837 Forumite
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    Happy New Year, hetty! Fingers crossed for the hound x
    Mortgage Balance as of Jan 24 £36,500 Starting Mortgage Balance (June 2019) £72,000. 2024 Overpayment Challenge: Jan £558.40, Feb £588.11, Mar £497.32
  • greent
    greent Posts: 10,671 Forumite
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    I've just caught up - so sorry to hear about both Millie and Hetty - may they both be running free now over that rainbow bridge. Fingers crossed for the possible new hound! x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Hettyhound
    Hettyhound Posts: 948 Forumite
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    I’ve made an overpayment of £64; some from an account Tilly Tidy and £32 from a missing cash back claim that has finally been paid from a purchase in September 2021!  My son was on a holiday activity yesterday in town. We went on the park and ride bus service which cost £3.80 (child is free) rather than £7.60 (child is charged) all for driving 10 minutes to the P &R service.  I bought myself some new jeans which cost me £16 rather than £25 as I had some vouchers to use up.  Will be doing food shop today and stocking up on household and basics as I have a £6 off voucher if I spend £40, all too easy nowadays. Busy end to the holidays but all factored in to the budget.  I need to work out a monthly plan for the savings/overpayment planning.  My 2 year tracker ends in a year and then I’m on SVR for the remaining loan, that condition was part of the deal.  I’m hoping as the interest rates are forecast to fall a bit this year by next January the SVR may be similar to what I’m paying now 🤞
    Grocery challenge 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 ? MFW #21 Mortgage start Dec 2015 £79,950; January 2024 £26,105 2024 OP £150/COLOR]/£1,500 MFiT T6 #3 £13,159/£25,500 (51.60%)
  • savingholmes
    savingholmes Posts: 27,538 Forumite
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    Sounds like things are going well overall.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.3K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • LadyWithAPlan
    LadyWithAPlan Posts: 2,242 Forumite
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    Any news on the hound? Your frugal start to the new year is going well
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things. You can’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Hettyhound
    Hettyhound Posts: 948 Forumite
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    Update on potential hound.  She is now at the rescue kennels for assessment.  They have put her on their FB page because as I told my son if she isn’t cat friendly she still needs a home.  She is gorgeous and has had several comments.  I’m busy trying to stop myself looking at new hound coats and harnesses which we already have of Hettys and they have all been washed.  It’s so hard when they dangle shiny things in front of you 🤣
    Grocery challenge 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 ? MFW #21 Mortgage start Dec 2015 £79,950; January 2024 £26,105 2024 OP £150/COLOR]/£1,500 MFiT T6 #3 £13,159/£25,500 (51.60%)
  • savingholmes
    savingholmes Posts: 27,538 Forumite
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    Best of luck 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.3K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Hettyhound
    Hettyhound Posts: 948 Forumite
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    I’m afraid the hound was a no 😢 very unfriendly to cats apparently.  They have said they will keep looking and I’m top of the cat friendly list when one appears. I’ve also said I’ll be in touch should anything change with my 17.5 year old cat 🐈.  I’ve filled out a form for another greyhound rescue today so see if they get in touch 🤞
    Grocery challenge 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 ? MFW #21 Mortgage start Dec 2015 £79,950; January 2024 £26,105 2024 OP £150/COLOR]/£1,500 MFiT T6 #3 £13,159/£25,500 (51.60%)
  • savingholmes
    savingholmes Posts: 27,538 Forumite
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    Sounds disappointing but better to know in advance.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.3K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • beanielou
    beanielou Posts: 90,619 Ambassador
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    At least you know now, & hopehully the right hound will be along soon.
    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.
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