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2020 - 'Nothing in your life will change until you make the decision to change'
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I read a bit of everything!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.6 -
I always read but just catching up and that picture has made me feel a bit more excited. Its our favourite beach and we will be there in 3 weeks but the anxiety about going away always makes me hate holidays. In all the years we've been we even managed to find the holy well last time we were there.
I wish I had your energy for decluttering. I started last week, did loads and then gave up and have 7 huge boxes sat in the lounge.LBM in April 17 - Starting card debt £33554
Mortgage@1 June 18 - £76350
Total debt @june 18 £102311
Debt Jan 25 £8282
Mortgage £51215. Total debt now £594975 -
Cake and books sound fabAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/254 -
Sounds like a perfect day! I am a bit of a cake snob & lovehome made cake so please save me a slice😁. Ooh Judy Blume takes me back to my early teenage years. Lots of washing here too - 5 loads today & only 2 dry so far today 🤦🏻♀️. Also with you on RM - have managed to get on one of the others starting Monday so happy about that however I had an international parcel to post today - stuck 14 large letter stamps on it 😂.Hope tomorrow is a good day for you all x6
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I think I've read the odd Biggles bookWinterWarrior said:Ooh chocolate chip cake!I never read Judy Blume, I was all about Biggles 😬
"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 McGee5 -
Me toobeanielou said:I read a bit of everything!
Oh wow, have a lovely time! It was very quiet when we were there so hopefully it won't be too bad for you. It was the first time we've ever been there, so we shall have to look for the holy well next time. I get anxious about going away too, so I feel your pain.charlies_tribe said:I always read but just catching up and that picture has made me feel a bit more excited. Its our favourite beach and we will be there in 3 weeks but the anxiety about going away always makes me hate holidays. In all the years we've been we even managed to find the holy well last time we were there.
I wish I had your energy for decluttering. I started last week, did loads and then gave up and have 7 huge boxes sat in the lounge.
Well done on the decluttering. What's your plan for the boxes, are they donate or sell? If you can get them out, then you'll feel so much better
Thank you, my fave type of daysavingholmes said:Cake and books sound fab
If you are a cake snob don't come here 😂 I slightly overcooked the choc chip ones. They are fine but a bit dry. Well done on getting on the RM survey, the others are so much better value!BalanceBy50 said:Sounds like a perfect day! I am a bit of a cake snob & lovehome made cake so please save me a slice😁. Ooh Judy Blume takes me back to my early teenage years. Lots of washing here too - 5 loads today & only 2 dry so far today 🤦🏻♀️. Also with you on RM - have managed to get on one of the others starting Monday so happy about that however I had an international parcel to post today - stuck 14 large letter stamps on it 😂.Hope tomorrow is a good day for you all x"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 McGee6 -
If you are a cake snob don't come here 😂 I slightly overcooked the choc chip ones. They are fine but a bit dry. Well done on getting on the RM survey, the others are so much better value! - this is what custard is made for 🤣🤣🤣
Sealed pot challenge 822
Jan - £176.66 :j5 -
have you tried them warmed with ice cream? That can save many a bake 😋Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p15 -
Good news that stuff is being de-cluttered by DH. I've never read Judy Blume or Biggles. I used to love Malcolm Saville as a child and also pony books 😂 .Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
The custard comment made me laugh. My gran bought me a birthday cake from goodness knows where one year. My cousins and I took turns knocking on the top of it and my aunty said rather grimly "never mind, we'll have it with custard". 😂 Gran produced a fruit cake one Christmas that we got the knife stuck in when we tried to cut it. She obviously had a secret supply from a dodgy bakery somewhere.
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