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Giving every £ a job

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Comments

  • Sarahwithlove
    Sarahwithlove Posts: 3,408 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Finally caught up and can't believe it's your last day its come round sooooo quick! Happy retirement 🥳🥳🥳
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Spinayarn
    Spinayarn Posts: 237 Forumite
    100 Posts Second Anniversary Name Dropper
    Congratulations on your last day!
    My Debt Free journey - started 1 May 2023. Goal date October 2026 ACHIEVED SEPTEMBER 2025
    Total Debt paid off: £28006.30 

    Savings £662
  • joedenise
    joedenise Posts: 17,962 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Enjoy your freedom from work!

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So glad you last day went well. Exciting times ahead.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Cheery_Daff
    Cheery_Daff Posts: 17,609 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy first day of the rest of your life! 😃😃

    What exciting plans do you have for today? Or are you revelling in having no plans at all??
  • CRANKY40
    CRANKY40 Posts: 5,931 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Oooh, your first day of freedom  - I hope that you have a good day. It's a big change no matter how you've prepared so go easy on yourself 😊
  • foxgloves
    foxgloves Posts: 12,832 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Freeeeeedommmmm! Here's to your last day & a new life stage.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey BC - how's freedom treating you?! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Blackcats
    Blackcats Posts: 4,012 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thank you all so much for your good wishes - so kind of you all and very much appreciated.
    so we are away in Spain enjoying beautiful sunshine, swimming in the sea and tapas - though the tapas isn't at the same time as the swimming.  The family dynamics are as expected but we are managing to keep a degree of control over the expectations that we will pay for everything for everyone every day.  In fact we are now back in our hotel room listening to music with a cup of tea - what a wild retiree I am 😇
    Its a very strange feeling knowing that I won't be going back to work after the holiday - strange in a good way, just realising that I've actually done it.
    the holiday is a good way to celebrate and re-energise.
    @PennysIntoPounds - the Tiffany necklace is enjoying the holiday too having been lost/forgotten for so long. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,940 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Ooh lovely, enjoy the rest of your Spain trip. Glad you're on it with managing family spendy expectations!
    Completely imagining the Tiffany necklace enjoying the holiday with its own cocktail on its own sun lounger, eyeing up the other fit jewellery parading past 😂
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 59

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
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