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A Year in the Life of...
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beanielou said:I have no money in any budget left.Ooops.savingholmes said:beanielou said:I have no money in any budget left.Ooops.
GAP Try and capture moments of joy, beauty and relaxation.
For me this week that has been doggy cuddles, petting our cat, sunshine, water, family affection, bird song..... Strawberries with a slice of lemon drizzle cake...
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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savingholmes said:beanielou said:I have no money in any budget left.Ooops.
GAP Try and capture moments of joy, beauty and relaxation.
For me this week that has been doggy cuddles, petting our cat, sunshine, water, family affection, bird song..... Strawberries with a slice of lemon drizzle cake...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 -
You watching the game @girlatplay?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:You watching the game @girlatplay?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 -
Hope GAP and Beanie have better luck soon.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 29/7/254 -
Had brunch today with my family for my sis's birthday. It was really lovely. Nice place. Good food. Mum insisted on paying because we paid for her meal on Father's Day, even though we just wanted to treat her then, so my total spend today was about £7.50 on a balloon and half the parking.
I took the time to listen to everyone and enjoy spending that time with them. I'm usually thinking about the next thing I have to do and miss appreciating the moment. I didn't realise just how much I do that until recently. It was so good to relax and enjoy them.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 -
Glad you got to relax with family without breaking the bank...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 29/7/254 -
Glad you had a lovely time.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 -
I really love spending time with my family and that has been the hardest part about the past year, not getting to. I guess I will appreciate it more now though.
I have paid off my two credit cards for the month. I always have enough money to do this as I only use them for points so I spend from each budget on the card then transfer the funds over to a holding account and when the bills come in I pay them right away. That has not always been the case, in fact, I think it was in my first diary that I was chasing my tail each month, trying not to use the cards to top up to payday and failing many times. Oh how far I have come. Anyway, I round up the amount I have spent, to the nearest £1 when I transfer the cash to the holding account. This means I usually have £3-4 ish over once the cards are paid. Not sure what happened this month but I have £25 left over! One time I had £15 left over and couldn't figure it out. 6 months later a payment was deducted from my account for something I had paid for 6 months before (obviously). Checked and it was correct, just delayed in taking it. No wonder the company went out of business. Anyway, I'm hoping the £25 is not a similar thing.
Happy to see the weekend. Not got anything planned so I'll just potter. LMG is working afternoons/evenings tonight, tomorrow and Sunday, and bf is supposed to have his kids this weekend so it should be nice, quiet and relaxing.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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How great to pay off both of your credit cards & have a wee bit left over.
Nothing beats time with our friends & family.
Enjoy your weekend 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.6
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