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A Year in the Life of...
Comments
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You are doing SO well.
Be proud
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
& good idea on the coffee's I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Thank you @beanielou. I'm going to be catching up on your diary the next time I have some spare time. I've got LOADS to read in yours!
Just popping in to update balances for February Month End:
Loan balance: £5,224
Mortgage balance: £87,490Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Glad that the forum is settling down for phone users. I like the coffee idea. I hate the turn taking- how do people ever remember whose turn it is? I also find that sometimes I don't then order what I want because I don't want to make the overall bill larger.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 10/10/254 -
The forum is becoming much easier for me to manage. I'm still struggling a bit with when I try to use the user control panel function but it works sometimes and not others so I'm not sure if it's a phone issue or not but I only really change my signature once a month so I can deal with that. My only other request (if anyone is listening) would be to have access to my bookmarked threads without having to use the very useful link that @astrocytic_kitten provided. I am using the link as it's far easier but I either have to press the back button several times or come out completely and use the link to get back in again when I'm finished reading a diary. Plus, I like to wander round the forums sometimes and if I go for a wander then want to go back to bookmarks I have to come out then use the link to get back in.savingholmes said:Glad that the forum is settling down for phone users. I like the coffee idea. I hate the turn taking- how do people ever remember whose turn it is? I also find that sometimes I don't then order what I want because I don't want to make the overall bill larger.
The coffee situation is with my family; Mum, sister, niece (age 3) and me. LMG joins us when she's not working. We're really close and spend a lot of time together. My Mum takes the hit on most of the coffee bills (she insists). We made the plan that we would take turns each week and that has worked for a long time but my sis and I felt guilty that Mum kept paying regularly so we're now trying out this new way. Sometimes I'll have cake, sometimes I won't. Same goes for the others. It doesn't really matter. I'm just finding it easier to scrape together £3/£4 each week instead of £10/£11 once or twice a month. If this was with friends rather than with family we would have worked it out differently 🙂Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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My diary is as boring as ever.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
😂beanielou said:My diary is as boring as ever.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Quick check in. I've not been on here for a while. Still plodding. Trying to self isolate as much as possible. LMG is with me. We have some food and toilet roll. My job is safe for now, I'm one of the lucky ones. Health-wise I'm ok. LMG is young, fit and healthy but I worry for her MH at this time.
I might try to catch up with other diaries at some point but I'm concerned about my own MH (concerned it might dip - it's okay for now) so I'm trying to stay off social media and only watching the news once a day.
Keep safe everyone xxMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Take care xx I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Hi GAP - glad you and little Miss okay. I think MH will take be strained for a lot of people. We are going to have to find a way as a nation to lift our spirits and reconnect. Not sure what that will look like. We are both working from home - and will only venture out really for meds and supplies. Getting food delivered where we can - but they keep missing off TP.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 10/10/254
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