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2020: Becoming a Saver, Not a Spender
Comments
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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 £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/261 -
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 5 -
Fantastic news for you.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 vettingWell 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.3 -
Oh that's fantastic news! 👏👏Congratulations & well done, you deserve it after all the time and effort you've put into it too x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear the M&S Card Starting Balance 03.05.26 £600 Current Total 01.06.26 = £61
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@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! Humdinger3
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Yaaaaay! That’s fantastic news, well done, really happy for you x3
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beanielou said:
Fantastic news for you.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 vettingWell deserved 😊🌈FootyFanDan said:Yaaaaay! That’s fantastic news, well done, really happy for you xDancingInTheRain said:Oh that's fantastic news! 👏👏Congratulations & well done, you deserve it after all the time and effort you've put into it too x
Thank you everyone, bit tired today, think the excitement and adrenaline of yesterday has taken its toll todayHumdinger1 said:@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
x 2 -
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 McGee1 -
Congratulations you've done so well! I often read your diary but don't always post. So pleased for you
Poppy
19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉2 -
Congratulations so pleased for
youAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/261
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
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