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Thinking of you Parsniphead...paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Thinking of you. Hope you have a nice view to look out onAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
Echoing what others say. Good to hear from youMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.3
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Hi Honey, lovely to hear from you. Good news that you're getting the bed etc provided. Are they providing any other help for you? Hope that things take a turn for the better. (((hugs))) XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy5 -
A funny old week. My mobility is reducing quickly and I'm feeling very upset about it. On a positive I have been given a blue badge and given mobility on pip which is going to help so much financially. I also got it back paid to January. It gave me a bit off leeway so I've paid off another debt. Oh and my car insurance is due so it will cover that. Phew, I have some saved but not quite enough. Finally I was going to buy a wheelchair but Macmillan are supplying one. Just waiting for it to arrive.
My bed also arrived the other day and as much as I would rather be upstairs it was becoming unsafe.
Anyway time to get on and try to do something productive.
1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.7 -
So glad to hear of your PIP success and it's great Macmillan seem to be stepping up. I hope the downstairs room is sunny? Take care.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
Good that you have got the Blue Badge, increased PIP and you now have a downstairs room. I hope they are addressing your weight loss and you are getting plenty of rest. Macmillan are great from what I have heard. What a tough couple of years you have had.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£667.95
Save £12k in 2025 #1 £12000/£150005 -
It's a lovely sunny room, especially in the afternoon. It could do with stripping back to the brick though and refurbing from scratch. I know how i would like it to be. I like how it is but it's shabby as I did it originally 17 yrs ago.
Anyway time to get on with more paperwork sorting.
1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.5 -
Good morning PH. Hope it is sunny where you are. The dreaded paperwork. I hate it too
So sorry to hear about your mobility. Are you managing to get any weight back up? I've also heard Macmillan are excellent. MInd yourself.
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20344 -
Good news on the mobility component ofPIP. Take it you get at least low rate care.Take care & enjoy the sunshine ☀️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.6
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