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A Year in the Life of...
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Sorry to read this
Keep plodding xxI 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 -
Argh, I'm sorry to hear that Gap, all fingers and paws crossed here for you xx4
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Thank you all.
It started a few weeks ago but it was mild, then I had the first covid vax and I've just not felt right since. I wouldn't say it is related to the vaccination but that hasn't helped. I just feel lucky that I didn't get covid as that would have been horrendous.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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Just had an email from Bulb saying they're putting my monthly dd amount up to £104. I know that's a ridiculous amount and I'm not happy about it but I can't change it to less than £94 on the app (which is still ridic) so I have loaned them £100, which they'll end up returning to me at the end of summer, and when that hits my account the dd should be fine. The problem was I usually send them meter readings on the last day of each month but I forgot on the last day of March so they estimated them and my bill was double what it should have been. I have been paying fuel bills for 25 years now, I know what I'm doing, they just don't know that and are scared I'll run out on them.
Healthwise, I was so ill on Friday I couldn't work, was in a huge amount of pain and struggled to stay awake so I bit the bullet and called my doc. She contacted my consultant at the hospital and they worked out a plan for me without me having to be tortured. I started antibiotics on Friday night and I'm waaaaay better already. LMG says she knows I'm better because on Friday I was giving grunts for answers then falling asleep. I'm not completely fine yet, I've lost a stone (which I spent months last year putting on), I can't walk far and get breathless easily but I'm past the worst. Got to focus on recovery now.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 -
Bless.
Sending lots of positive vibes.
Take care xxxI 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 -
Take care GAP, glad they’ve managed something to help and sending love x
Nice way to put a positive spin on utility company annoyances too!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
Thank you for reminding me to check my utility DD.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 -
Hope you feel better soon. Glad the meds are helping.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Thank you all. Still plodding. Went back to work today and managed the whole day. One day to go then it's the weekend.
Sent £20 to the loan today. That's the balance at £2,700.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
3 -
Take care Gap, please don’t overdo it! So impressed you’re chipping away at the loan even more. PD sends an encouraging face lick (or at least, she seems to think it’s encouraging) x4
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