We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Keeping on the Straight and Narrow...
Comments
-
So thrilled for you!!!!!!!!!!!!!!!!!!!!!!!!!!!!!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 -
Well done 👍🏻 🎉Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.2
-
Congratulations, very pleased for you 👏👏👏3
-
Thank you everyone, I'm so pleased to have secured the job
I could barely type yesterday as I was exhausted, poor DS1 had been up most of the night with a tummy bug. Thankfully he's on the mend now so I feel more human today.
I've had a formal offer letter and contract emailed to me today, I've had a 4 day working week approved (They've suggested I work Mon-Thu which I've accepted as will work out perfectly, especially when DH has gigs booked as they tend to be weekend nights). They've also agreed to the salary I asked for, I can barely believe how well it's worked out. I've no doubts the job is going to be challenging and demanding but the terms & conditions I've secured certainly make for a positive first impression, hope it lasts!
There's a few pre-employment checks to get through and will need a DBS check but all being well I'll start in the next 3-4 weeks.
Again, this has worked out well as we can enjoy our little holiday next week and then I can get the boys settled back in their school routines before starting my job.
I may enjoy a couple of celebratory glasses of wine tonight3 -
Sounds just the ticket on many levelsI 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.3 -
Sounds like everything has fallen into place really well.
Enjoy your relative time freedom now. Good that you will still balance your work week with effectively 3 day weekends. They've been very organised getting the offer out so quick too which bodes well.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 29/7/252 -
Yay! Well done on securing the job, it certainly seems like it has fallen well for you. Hope you enjoy the bank holiday.....and the wine3
-
Thank you Beanie, Savings & Dan. (Oh and the wine last night was lovely 😊).
Gorgeous weather here today so got 2 loads of washing done and line dried.
Took the boys to the playground and treated them to an ice cream before going to Lidl to get a few supplies to take with us on our holiday.
Have ironed today's washing (same day as washing, what's wrong with me? 🙈🤣) and written a packing list. We're at a christening tomorrow afternoon then once we're home we'll get the boys showered and in PJ's early then they can watch a film while DH and I pack.
We're aiming to set off just after breakfast on Monday, we're all looking forward to a break and the forecast is looking good 🤞which is a lovely bonus.
All being well it'll be a lovely end to the summer holidays and my gap year 😉 before we get back into busy school and work routines next month x
2 -
Have a fab holiday
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 29/7/252 -
End of August summary as it looks like Wi-Fi will be intermittent when we're away.
Since the last time I updated the free money total I have received £32.45 from Vinted, £2.82 Chase rewards, £5.00 Vypr, £7.33 Prolific, £2.93 Blue Light Card £10.00 Lidl Rewards.
Total free money for August £221.38 (which will be used for spending money on the holiday).
End of month 'What We Owe The World' figures
Current scores on the doors are:
- Mortgage 31.12.21 was £46,415 now £43,600
- Credit Card 31.12.21 was £8,175 now £6,220
- DH Student Loan 31.12.21 was £5,285 now £4,570
WWOTW total 31.12.21 £59,875 now £54,390
Total 'Free Money' 2022 = £2669.14
2
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards