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A Year in the Life of...
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Thank you both xx
It feels like it has been a long week this week. I had my first covid jab on Sunday and I've not felt great since. One step towards hugging my family again though so I'm just getting on with it.
I have £20 "spare" this week but £30 will take me under £2.9k so I'm taking £10 from money that will arrive in my account tomorrow.
In work news, there's a possibility of temporary extra hours for me! It's at my current job. It's not confirmed yet but it's in talks. If it goes ahead then I'm looking at a little extra in my wages each month for at least 3 months. I'll update more when I know more but that brightened my morning. Good job I didn't go and get an extra part time job as originally planned (they have asked me if I'll do it, not the other way around).Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4 -
So pleased for you
Under 2.9k is fab.
Positive positive vibes for the extra hours.
Is your DD on furlough?
Keep plodding
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. Still plodding 😉
Well, she's on flexi furlough so she gets two shifts a week and gets paid for furlough for the rest of the week. It's manageable financially and she realises how lucky she has been.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
5 -
That's greatgirlatplay said:Thank you. Still plodding 😉
Well, she's on flexi furlough so she gets two shifts a week and gets paid for furlough for the rest of the week. It's manageable financially and she realises how lucky she has been. 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 -
That’s all great news! Well, apart from the jab - mine knocked me for 6 too but as you say, one step closer to hugging people!
Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
Sorry you're struggling after the jab. My arm was really really sore for a few days but has settled since. Still grateful to have had it.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 6/7/253 -
The usual monthly payment hit the loan account today. I managed to scrape a further £12.81 to get the balance down to £2,750. Could have been better but the end of last month just seemed to get really tight, really quickly.
I started my temporary new hours at work today (it was confirmed). Just having a quick lunch break. I've not had an official lunch break in almost 3 years so I wasn't sure what to do with myself. BF said "Relax and make the most of it, it doesn't last long." How right he was.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4 -
Fantastic news on both fronts 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 -
Glad things are looking upAchieve 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 6/7/253 -
Just thinking, I can have the loan gone in 6 months with the extra salary. Oh.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
4
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