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Keep calm and carry on....

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Comments

  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Now you lot are making me feel like I should have more of a plan....all I have is a number 😯! Will think about a plan....😂
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Thick_n_Thin
    Thick_n_Thin Posts: 329 Forumite
    Fourth Anniversary 100 Posts
    It’s all very daunting isn’t it, I haven’t got the foggiest tbh, I just know I want to retire at 55🤦🏻‍♀️ I’ve started learning what all the abbreviations mean as a starting point because to be honest they might as well be written in a foreign language. I wonder if there is such a thing a pension guide for dummies? I would definitely sign up😆
    Aiming to be mortgage free in 3 years June 2023. 
    May 2020 - £63,493
    Jan 2021 - £56,145
    April 2022 - £44,750
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Maybe we could write one - that could be Passive Income Source #1 😂
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Peaches113
    Peaches113 Posts: 33 Forumite
    Third Anniversary 10 Posts Name Dropper
    Haha I actually googled ‘idiots guide to pensions’ the other day! 
    MFW 2020 #139 £781/ £3000
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    We definitely need one! 

    £6.22 in from Prolific 😀
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • kaycastle
    kaycastle Posts: 419 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Oh my gosh your diary is busy @South_coast , just had a quick read through the last few pages. Love the new plan! Thats a nice healthy total.
    And thank you for the freezer update :D I think I get the same things of you apart from meat/fish. I had no idea you could freeze cheese!! I do pretty much have a whole draw full of garden peas as they are my favourite....I don't have to worry too much about ice cream room and things as I'm trying to be healthy. I find frozen berries really handy as well, taste better and don't have to worry about waste. I'm definitely more of a store cupboard packed fanatic- I haven't counted them but I will go do that today now but I must have about 40 different spices/herbs and many different sorts of grains,pulses, seeds, nuts (this is from before lockdown, I didn't do any stockpiling or anything and had a very desperate 48 hour search for toilet roll at one point...) 
    Mortgage start: April 2024 - 295k  Current £256k
    Emergency fund: 13.5k/15k 
    Current mortgage free year: 2054 2039
    Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
    The little joy list
    Books read: 41 (2024) | 12 (2025)

  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I think we can all relate to a desperate loo roll search 😯😮! It's on my list at the moment actually for the next time I go shopping - let's hope they have some as I will be just about to run out at that point 😮😮😮! 

    I didn't realise you could freeze all the different types of cheeses that coldcazzie mentioned (I've only got cheddar - all other cheeses don't tend to last very long once they're in my line of vision, so I only buy very occasionally!) - and I had no idea you could freeze flour! Bleurgh to the peas though, I can't stand them 😱
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • sofarbehind
    sofarbehind Posts: 400 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Love that you have targeted an overall savings figure for renovations / gap until pension etc  - I daren't do mine because it would depress the life out of me in addition to the mortgage  :cold_sweat:  

    I am definitely learning something about what can be frozen...
    Mortgage overpayments 2018: £4602, 2019: £7870
    Mortgage overpayments 2020: £4620
    Mortgage 2017 £145K, June 2020 £112.6k:o
  • It's not an obsession, it's a very active interest 😉
    Jan update
    2021 MFW #39  £228.76/£5000 
    Current mortgage @ 1/2/2021  £94 900.00 
    Mortgage end date Jan 2041. Current OP end date March 2039. Target June 2027.
    2021 Personal savings £1 803.25/£5 880
    2021 Personal Freetrade shares £102.81 (putting £50 per month in - love it!).
    2021 Joint sinking fund £36.83/£500
    2021 Summer holiday fund £330.35/£1350
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