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2020: Becoming a Saver, Not a Spender

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your assessment went well. Glad the kitten brings you joy. Our cat used to enjoy going in the garage to get away from us and have some peace. Don't over-worry about them.
    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 29/7/25
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    SSDD23 said:
    Hello everyone :)
    Just popping on for now to say the assessment went better than I could have ever hoped, the feedback from the two people doing the interview was some of the nicest things people have ever said to me, and I have a conditional offer subject to vetting, with a potential start date of September all being well with the vetting :)
    Fantastic news for you. 
    Well deserved 😊🌈
    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.
  • DancingInTheRain
    DancingInTheRain Posts: 1,374 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 12 June 2020 at 9:56AM
    Oh that's fantastic news! 👏👏Congratulations & well done, you deserve it after all the time and effort you've put into it too x
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @SSDD23 fab news, so well deserved. Delurking to say well done, have been glued to your diary for ages but the kitten updates are the icing on the cake! Humdinger 
  • FootyFanDan
    FootyFanDan Posts: 1,681 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Yaaaaay! That’s fantastic news, well done, really happy for you x
  • beanielou said:
    SSDD23 said:
    Hello everyone :)
    Just popping on for now to say the assessment went better than I could have ever hoped, the feedback from the two people doing the interview was some of the nicest things people have ever said to me, and I have a conditional offer subject to vetting, with a potential start date of September all being well with the vetting :)
    Fantastic news for you. 
    Well deserved 😊🌈
    Yaaaaay! That’s fantastic news, well done, really happy for you x
    Oh that's fantastic news! 👏👏Congratulations & well done, you deserve it after all the time and effort you've put into it too x
    @SSDD23 fab news, so well deserved. Delurking to say well done, have been glued to your diary for ages but the kitten updates are the icing on the cake! Humdinger 
    Thank you everyone, bit tired today, think the excitement and adrenaline of yesterday has taken its toll today :joy:
  • jwil
    jwil Posts: 21,944 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations!

    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Congratulations you've done so well! I often read your diary but don't always post. So pleased for you :smiley:

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations so pleased for
    you
    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 29/7/25
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