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Beating Lifestyle Inflation and Staying Mortgage Free!
Comments
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I would definitely spend the £200 for the consultation, EG. That sounds really scary, and two years is far too long to wait. Spending £200 for a two-year saving works out at 27p a day. Invest in yourself xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!8 -
I agree. Health is most importantSouth_coast said:I would definitely spend the £200 for the consultation, EG. That sounds really scary, and two years is far too long to wait. Spending £200 for a two-year saving works out at 27p a day. Invest in yourself xAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/267 -
I am delurking to misquote Tony Blair. 'Health. Health. Health.'
So agree with @South_coast.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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20258 -
I think you should spend the £200 & more.
Your health is priceless.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. 19months left.8 -
Totally agree. None of it means anything without being healthy enough to do it, and the paralysis sounds like it *might* represent a really serious issue.beanielou said:I think you should spend the £200 & more.
Your health is priceless.
I kept going ... and ended up with chronic fatigue, for years. Even now, I have much less stamina than healthy people my age. And that's not even life threatening, like a stroke is. Please, earthie, take it seriously.2023: the year I get to buy a car8 -
Thanks, thanks and thanks again.I've started looking for the nearest consultant, and I'll see it through and Hope it's just a migraine type thing.Save £20,000 in 2025. April 2k, May 3.5k9
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Hope you can find out what's happening quickly, health has to be the biggest priority doesn't it.Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!4
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Best of luck finding a good consultant. I hope the rest of your long weekend is going well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/263 -
Definitely agree with others that if you "have" the £200 it should be spent on the consultation. Aside from anything else, the insomnia in itself is not ideal and not something long-term sustainable, so finding out what is going on sooner rather than later and potentially being able to get off the drugs that are causing it/reduce doses so they have less side effects would be worth far more than that sum of money in the longer term.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Goodness Earthie, please pay to have this looked into. I do hope you are feeling ok CM3
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