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Easter 2025 I’m coming to get you!

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Comments

  • greent
    greent Posts: 10,808 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    End of July/ early August you may find people selling football boots that have hardly been worn (my son's had to have rugby boots, so they were only really worn in the Autumn/ Winter so were in great condition for selling on (usually @ £10/ pr)
    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
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely weekend. 

    Well done on getting the mortgage down and on the freebies. It all helps.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,804 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Winston looks lovely! Good news on the car loan.
    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 and should take advantage of discounts.... 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.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Jessy103
    Jessy103 Posts: 2,348 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    A lot going on then, hetty! Good luck with the car search and enjoy the sunshine x
    Mortgage 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!
  • Jessy103
    Jessy103 Posts: 2,348 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear about the kitty, hetty ❤️
    You've got this with those mortgage overpayments, you're so close, you can do it!
    Mortgage 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!
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the continued progress. 

    Hope your DS recovers quickly and doesn't drive you too mad along the way.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sadly my beautiful Sybil passed on Saturday at the age of 18 😢. I was with her, just me and her, so it was quiet.  I cuddled her and thanked her for being there for me.  We have buried her in the garden and bought a lovely plant which I placed over her.  I get paid on Friday thank goodness as accounts are about as low as I can remember them ever being.  I have done a budget and food planning is done.  I’ve made some stuff to fill the freezer and will definitely get back to batch cooking again.  Winston was at the vets yesterday for a second round of boosters.  Apparently the brand he had already been done with wasn’t compatible with their brand so he had to have 2 done.  However there was no charge as what I paid a month ago covered them both apparently ( and that was a relief!).  The vet also commented on his lovely condition which considering his state when we got him from the trainer was lovely to hear.  Less than a week to go now for my son and the anxiety is starting to show a little in his behaviour but even so it is still better than I expected.  We have a bet, if he can make the first half term with no red marks and go to bed on his own I will give him £11.  I feel my money is safe as they hand out red marks for anything at that school.  What he doesn’t know is I will be rewarding him for effort anyway 😁
    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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • beanielou
    beanielou Posts: 96,235 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry about your beautiful girl. 
    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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