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Holey Moley!

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I always use a spreadsheet
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I always use a spreadsheet
    And me! :) 
    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
  • themadvix
    themadvix Posts: 8,782 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Me three! It’s the only way!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I’ve got a Xmas presents notebook, I can go back years and see what I’ve bought everyone and it does look a bit repetitive sometimes 😆
    MFW 67 - Finally mortgage free! 💙😁
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Gift spreadsheet here which now has 11 years worth of gifts so I can rotate ideas!! I like to keep an eye on the cost of it all too. 
  • I still have not set up the spreadsheet guys. I know. I know. I'm the excel Grinch.


    I have looked at net worth and I'm getting close to my cash/investments being equal to what I have in my flat. Feeling pretty cool.

    Will be back later, am running out of steam.
  • newgirly
    newgirly Posts: 9,348 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    😂 fantastic news on the second cardi section discovery, exciting times indeed! Good luck finishing the Xmas shopping, I’ve struggled this year as I’m trying to get as much as possible instore instead of online, but the shops keep closing down 😩
    MFW 67 - Finally mortgage free! 💙😁
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I am trying to buy in person as well for loved ones who are local. I hate working out postage with a passion so generally if they live on the other side of the country, I will buy online. Are you complete now?

    So my uncle (the living one) is in hospital. Apparently, it was quite dramatic and there's quite a lot of mess to clear up. I won't go into detail in case anyone is triggered but err yeah, new clothes for everyone involved. He's not very well but with all honesty I can't cope with it right now so I'm kinda ignoring it for now.

    Today I went with family (non-hospitalised only I'm afraid) out to enjoy the Christmas atmosphere. We stumbled on a craft fare and it was so good! A real mix of styles and mediums which is great. I ended up buying a Christmas tablecloth in a 1930s ISH style for £5, a couple of quilled stars £1 and a wooden MERRY CHRISTMAS hanging sign for £7. Also went to a "Christmas supermarket" and got some 70s ISH foil decorations. It was lovely and I loved it.

    Tomorrow I need to spend the full day on my late uncles house as the workmen will be starting in January and I am not ready yet.

    Work is as ever busy but... There's no but. It's just busy. At least when things when get stressed I can go  look at the pretty lights.
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