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The Next Phase

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  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news about your dad. What a fabulous gesture with the parcels, they will be so appreciated.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the parcels. Glad both the ceiling and your Dad are getting better
    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
  • beanielou
    beanielou Posts: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy delivering  :)
    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.
  • beanielou
    beanielou Posts: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    & good news on your dad  :)
    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
    Hope you’ve had a lovely birthday 🥂
    January spends - £587.58
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday 🥳🥳
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,077 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Had a nice day , useful birthday presents , lots of lovely cards and an outing to a nice hotel for afternoon tea . A little bit of shopping , then home to watch Love Actually one of my favourite films . 
    The big town wasn't very busy a stark contrast from a couple of weeks ago. 
    Tomorrow is haircut day and then lunch with a RL forum friend . 
    Off to eat some gf birthday cake. 
    Life is an adventure, never stop exploring.

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely birthday! 
    🎉 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
  • Willowtree222
    Willowtree222 Posts: 8,197 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday x 🥂
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely day. I love Love Actually, watched it so many times but it still makes me laugh and cry 💕💕
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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