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Take care xxI 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.0 -
Good news you’ve got a diagnosis and treatment, fingers crossed the X-ray is clear 🤞I’ve lost count of how many people I know who’ve got Covid.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Hope the meds kick in soon and you feel better soonJanuary spends - £587.580
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Sorry to hear you're poorly - especially right before Christmas! Hope the anti-b's do their thing swiftly!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Hope you avoid the dreaded plague. Glad your doctor was helpful. Can you use the antibiotics as a reason not to go in?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 29/7/250 -
I start work at 7.30 , I usually stay until about 2pm and return to WFH , but I will just do what I need to do and go home much earlier . It's only once a week so not bad and nobody is in as early as me .savingholmes said:Hope you avoid the dreaded plague. Glad your doctor was helpful. Can you use the antibiotics as a reason not to go in?Life is an adventure, never stop exploring.1 -
Definitely a good idea to limit time at work to when there aren't others about - that could be one good thing about the whole pandemic thing, I think both individuals AND employers are far more conscious now of infectious periods etc, and so far more likely to not want folk to work when they might infect others. If that does happen, it will definitely be a good thing!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
I hope the antibiotics have kicked in and you're feeling more like yourself.Did your mum and dad like the table?Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”1 -
Work was empty apart from about 5 of us all spread out, felt very safe . I admit to eating a few chocolates today, rather nice they were .That's me done now until the 4th , now looking forward to Christmas hopefully Covid free . Have no plans to see anyone other than my own family mum., dad DS , DD, SIL and 3 DGD for the foreseeable future .I filled my car up only needed £25 not using much, plus it has come down a few pence as well.The veg has been bought for Christmas Day so that's it now.Hoping for a lie in tomorrow .Life is an adventure, never stop exploring.2
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Enjoy your lie in - not sure if I’ll get chance to get on here so have a lovely Christmas 🎄🎄🥂January spends - £587.582
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