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2020++ - smiling and waving and looking so fine
Comments
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I entirely agree about the 0600 thing - I’m not a fan of an early morning myself!
Hope your visit north is fabulous!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Another nice walk yesterday, and a Sunday evening roast was very nice. Today has been a little drabber, so have spent the day watching telly and chatting with relatives. Tomorrow will be more active. Not sleeping very well OH's dad needs it hot, and we have just come from our house where we set the thermometer to 18 when its on at all!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Very early!!
Glad you are getting out for some walks. I had a good day yesterday - but as you say - have hibernated today to recover!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/254 -
my day never starts before 0700
just spotted your signature, you'll be a fab ambassador!DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Trying to sleep in a room that’s too hot is the worst! When I stay at my friends pretty much the first thing I do every time is crack the window open a bit otherwise I roast! 😂🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Luckily its lovely and bracing - sunny but chilly so it doesn't take too long to adjust. Travelling back today, but going late to make an extra day of it, and have a lunch out FIL's treat (although he does sometimes forget he promised). I am WFH tomorrow, so can catch up on sleep and still make 0900.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
'I’m a (NEW) Forum Ambassador and I support the Forum Team on the DFW, Over 50s, and Pensions 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.'
You will be an asset
FIL forgetting and everyone else having to fork out made me smile...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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
MSE good news DIA - he remembered!!, which was lucky as I had had a cheeky extra coffee on the expectation. He didn't even give me a stern look
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
You are the ideal Ambassador @mark55man. I expect you're knee-deep in jokes about how you are spoiling us, so I'll leave it there....3
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LOL. My parents rarely pay for meals out but TBF there are too many of us - and even hosting at home must cost a fortune. Glad it was an MSE treat.mark55man said:MSE good news DIA - he remembered!!, which was lucky as I had had a cheeky extra coffee on the expectation. He didn't even give me a stern lookAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/253
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