We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Cosy blanket
Comments
-
Great news about you little ones op hope he improves and is well from now on & you can put the worry behind you.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Hurrah for the op, i hope you notice a difference in his health fingers crossed. Yes the money principle is a website. I would love to learn about shares - I was scared after a school experiment with them in the crash of 1987!!! I would definitely be interested to experiment a little when i have more time later after Easter.Aiming for a minimal spend 20222
-
Thank you 🙂
He is so much more content atm I really wasn't expecting such a change tbh so shows how much his day to day life is impacted.
SW whenever the time is right just let me know.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
Little man has had a few days where he is definitely in more pain but did seem a bit better today. Sleep hasn't been great but I have time off work and enjoying the time.
Pay days next week but not sure what to expect in regards to OH salarytbh so not really going to plan until I know what's what.
I am becoming increasingly comfortable with the EF so may decide to stop that soon.
Need to sort the next thing on the BTL.
Have done an account switch and some market research so making extra where I can.
Hope everyone is well.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
It's early days and hopefully he will settle soon.
Have you an EF for the BTL, as that would be a good one to get a couple of k, then revert to other savings.
Time off is always good!Mortgage started 2020, aiming to clear 31/12/2029.1 -
Hi MF,
We don't have a seperate BTL EF fund, will have a think on it but starting to become aware that the money is not 'working' for us as it could be.
ThanksMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1 -
Sending out positive vibes for LM
Your EF looks healthy.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
Hope your little ones pain has settled now lw2go & your OH has settled into his new job.Great news about the bank account switch & market research funds, every little helps ☺️0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
Thank you
He is definitely feeling brighter now and I have really enjoyed spending time with him but back to work tomorrow (which I am dreading).
OH got paid a bit this month from his new job which has been really helpful tbh. I had accepted he wouldn't get anything so its meant we haven't had to touch the EF (so far).
I am working to push my mortgage under the next 1k bracket this month and maybe the EF up to the next 1k bracket (I know some of it will be going with the roof soon as I have not seperate that out but I am comfortable with that).
Hope everyone is well. I am off to tackle some emails in preparation for tomorrow.
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3 -
Glad son is ok. Good luck at work. Well done on the fact you havent touched EF!Aiming for a minimal spend 20221
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards