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!!My time to be mortgage free!!
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Mine won't let me pay via the app but i can at least monitor it.savingholmes said:Good you have an app. Apparently my new mortgage doesn't
Nice to have a holiday to look forward to
Obsessively 😃 😀Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
Whooop got 60 pending on cash back and 19 so far in surveys . Enough for Jan over payment and more hopefully if I keep going xPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
It really does all make a difference.
I wrapped gifts last night and hope to get decorations up soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
I put mine up very very early 😃 😊savingholmes said:It really does all make a difference.
I wrapped gifts last night and hope to get decorations up soon.Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
I do think they look pretty - it just requires more energy than I currently have. Plus my tree is in a really awkward position up high and I think I will need help to get it down. (On a 6 foot + high cupboard and other stuff in the way).Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
Totally get it . You have to want to decorate for Xmas other wise it becomes a giant pain in the bum and spoils it!savingholmes said:I do think they look pretty - it just requires more energy than I currently have. Plus my tree is in a really awkward position up high and I think I will need help to get it down. (On a 6 foot + high cupboard and other stuff in the way).Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
DD is home again from a trip away so hopefully she will help me with it at some point this week. Just didn't want to try and get it down and it land on my head!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
Nooo that would not be at all funny. They are bloody heavy!!savingholmes said:DD is home again from a trip away so hopefully she will help me with it at some point this week. Just didn't want to try and get it down and it land on my head!Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
Pay day soon.
Managed to save £350 . And pay off holiday deposit plus an extra 50 quid.
Happy with thatPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
Sounds like you've had a great month.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251
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