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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sadly 😿 🌈 
    Totally unexpected and why I've been absent. Tried to do a quick post ever since but couldn't write the words 💔

    I hear and feel her at night, comforting yet upsetting at the same time. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,427 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Great progress and glad to hear mortgage arranged. Have you got a date in mind when it will be paid off? 

    So sorry to hear about 😿 such sad news. Sending hugs ❤️
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    (((BIGEST HUGS)))
    So hard when we lose one of our fur babies. They really do become one of the family.
    How much longer do you have on the course?
    For some reason I thought you had given up your main job. Is that still the plan?
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • doingitanyway
    doingitanyway Posts: 9,863 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sending hugs.
    Reading back over what you have been up to so I am uptodate
    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 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you Skinty, FP and DIA; welcome back x

    Planning to be MF in just under 5 years.

    Tutor couldn't say when the course ends and only referenced "summer". Didn't go down too well when I recommended they advertise it correctly next time as I booked it based on the ad now got told different.

    It's still my intention to give up the day job, most of my savings have been depleted this year on repairs / maintenance, and an extra year makes a huge dent on the mortgage and replenishing savings; I wasn't happy with that decision, however it's for the best at the moment.

    I've struggled due to the loss, developed anxiety and panic attacks. There's strong urges to jack everything in as it was all done with creating a better life for our little family. All I can do is take it hour or day at a time.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry life is a struggle. Sorry about your cat. 

    Good news on the mortgage fix. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • doingitanyway
    doingitanyway Posts: 9,863 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry it feels tough right now.
    MF in 5 years would be amazing  :)
    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 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,292 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh I am so sorry about your loss :disappointed: I lost mine in October and still find myself choking up every time I think of him. :cry:

    Mortgage free plans sound amazing I can't wait to get to the point where I say, just another 5 years! 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!


    Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
    Total- £1162.23
    Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)

  • jwil
    jwil Posts: 21,827 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the cat, we lost ours last year and there's still a hole. x
    "If you can dream it, you can do it". Walt Disney
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH, DIA, DFW321 and jwil

    So sorry you're going through it too.

    Always leaves a big void when they pass as they are my babies in a fur coat, I still mourn the loss of my others. She was the one I had after my first passed and would have been the equivalent of an 88 year old this month.

    I repeatedly burst out crying at my tattoo session yesterday having the 🦋 added to my others.

    It's never a home without 😺. I'm sure I've two hearts, the one for furbabies is huge.

    I've not been taking as many 3rd home bookings as I should, I can only hold emotions and have conversations for a limited time. I have come up with an offer for next month which is around the time my website goes live 😊

    2nd home has been my mental saving grace, I really got stuck in to that and found a way of clearing that works for me / my health.

    Originally I'd planned to clear the mortgage in 5 years, but didn't anticipate getting married, having an allotment and re-training / starting a business. I'm looking at approx £750pm between the contractual and O/P (and saving everything over the 10% O/P allowance).

    I've also done a massive declutter at home 😄
    Mortgage started 2020, aiming to clear 31/12/2029.
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