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The Next Phase

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  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    Just having a nosy through your diary. It's all very nice. Poppy waterfalls and trips to Windermere. Lovely. We escape to Bowness whenever we can. 

    I have subscribed

    Paws
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • beanielou
    beanielou Posts: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy muchly  :)
    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.
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Tell them your details at the NT - they looked it up for us once when we’d forgotten ours and we didn’t have to pay 👍
    Have a lovely trip 🤞👍
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a fab time and that Milann's suggestion works
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely time. When I forget cards they can often trace it via my postcode. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Willowtree222
    Willowtree222 Posts: 8,197 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy you time there xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,077 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you to everyone replying about the card . I got in no problem. A trip to an old Abbey had a lovely cafe with GF cake . Christmas flowers on friends grave done as well . Bit dark in the North East at the moment but not as cold as yesterday . Pub dinner tonight . 
    Life is an adventure, never stop exploring.

  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Enjoy the pub dinner 👍 Hope it’s not as wet up there…..torrential rain here 🌧💨
    January spends - £587.58
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I know NT won’t, but might EH places look you up on their systems and give you the members price perhaps? Fingers crossed - as you say though if not it’s a lesson learned is it. Have a wonderful time! 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,077 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Life has thrown me a few curve balls this week. Had a lovely trip to the North East , the trains were busy but 95% of people were wearing masks . Had time to sit and relax and enjoy the scenery for once. 
    On the train home I received the news that my dad had fallen down some stairs and was in hospital. He tore half his ear , broke a rib and one vertebrae only small fractures though. He had to be stitched up by a plastic surgeon. I am working from my parents house this week to keep an eye on dad and help mum . 
    I came home last night to find my new lounge ceiling with a damp patch on it . The roofers have been to look today and will be back when it's dry and safe to go on the roof . 
    A colleague I worked with in my banking days has passed away she was only 55. 
    Feeling a bit sorry for myself I guess . On Friday I resume my child minding duties for DGS2 , a full day and then pick the other 2 after school. I am looking forward to this , just not done it for 20 months due to Covid etc . DD has returned to work today . 
    Money is fine and all spends as they should be. Out tomorrow night for a Christmas/birthday meal with a good friend. 
    About to start a big pile of ironing . 
    Life is an adventure, never stop exploring.

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