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A Year in the Life of...
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& how lovely to just be able to open the doors into the gardenI 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.2 -
So pleased for you that you will soon be out of there!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 6/7/251 -
Thanks @beanielou and @savingholmes The countdown is most definitely on. 6 sleeps as my niece would say, although it may only be 5 if I can't get to sleep tonight.
Insomnia hitting tonight. I'm hoping if I empty my brain a bit here I might sleep after that.
I cancelled VM broadband today. I have sent over a copy of my insurance schedule for the new house and should find out in three days if they are waiving the disconnection fee. They should be, according to their t&cs.
I have to call and cancel the insurance for this place tomorrow.
I have reserved a TGTG bag from Mr M's to collect tomorrow. I've never had one before so I'm looking forward to seeing what's in it. I'm new to the app, saw @savingholmes mention it and thought I'd give it a try. I'm meeting a friend for a catch up after work so I'll collect it on my way home.
Packed another box tonight.
LMG has uplifted all her deposit funds from various places so they're ready to send to the solicitor in the next few days.
I have made a list of things I need to do/collect on Saturday.
I need to drop off a set of keys to the sols on Monday.
One more day of work before the big move and it's going to be a busy one. Suppose I better try again to sleep.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
1 -
Productive morning.
I've cancelled my insurance for this place.
I've requested and paid for the mail redirection for a year. Just in time as the earliest they can do it from is 13th.
When I was sorting out the council tax on this place I found an old CT account from 2000 which had a balance of just over £30. I emailed them to request a refund and they replied today saying that's fine but I need the permission of the other person named on it. I lived with a friend at the time, we rented it from her mum, so I have messaged her for her bank details. Hopefully she'll get back to me soon and we'll get about £15 each.
I've also managed to be very productive at my day job!
LMG made me a bacon roll at the back of 11am so I'm not hungry right now. I'll be starving by 5pm for my Chinese with my friend.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
2 -
Chinese sounds ace. I fancied one tonight but have eaten too much today already.
Great news on the CT find. It's better in your pocket.
Hope the TGTG bag is good. I find if you go to the store around 6pm you can usually get even better bargains - the bag though does mean you are not stood elbow to elbow with everyone else after a bargain.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 6/7/252 -
Also wanted a chinese tonight but they are so expensive nowI 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.2 -
beanielou said:Also wanted a chinese tonight but they are so expensive nowAchieve 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 -
savingholmes said:beanielou said:Also wanted a chinese tonight but they are so expensive nowI 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 -
beanielou said:Also wanted a chinese tonight but they are so expensive now
Nearly killed myself getting home with this for £3.09Might wait until after we have moved before getting the next TGTG bagMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
3 -
Interesting haul. You reminded me of TGTG and I got a veggie carvery the other day again and split it across 2 meals. £2.29. Can't complain.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 6/7/252
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