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The Next Phase

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You sound super organised. Good luck for tomorrow.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • milann
    milann Posts: 11,367 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Must be a great feeling to be starting the New Year debt free 👍👍
    You sound very organised and ready for work…..hope it’s not too manic for you 🤞
    January spends - £587.58
  • Sun_Addict
    Sun_Addict Posts: 23,987 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m also back at work tomorrow and optimistic for a good year. Surely it can’t get any worse 🙏
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,458 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well tomorrow.
    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.
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Enjoy your new bathroom storage!  And enjoy the debt-free feeling start to 2022!👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Work week is over , it's been fine there was hardly anyone in yesterday on my weekly visit to work building. 
    My X-ray came back ok , but I am coughing more and still have a cold . It's 7 weeks now getting a bit fed up of it. Lateral flows and PCR all say negative. 
    More decluttering gone on in small spurts this week , another tip trip at lunchtime . Hoping to do more over the weekend . 
    Had 3NSD since Monday but today was a spend , I bought some baskets to put in a drawer to tidy it up. 
    I need to do a new budget for the 18th to represent my cancelled subscriptions and need to allocate more to certain budgets . 
    Think that's it for now. 
    Life is an adventure, never stop exploring.

  • doingitanyway
    doingitanyway Posts: 9,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 6 January 2022 at 10:40PM
    sorry you still feel poorly. 3 nsds since Monday is excellent  :)
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • milann
    milann Posts: 11,367 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    A nice short working week for you then. It’s came around to Thursday very quickly this week, dh only worked 2 days 👍
    January spends - £587.58
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,071 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 7 January 2022 at 6:06PM
    Can I have a rant on here . Phoned parents at lunchtime to say coming with DD and grandkids to see them, ok they said see you soon. Come home to a message from my niece who does my hair saying she has tested positive for Covid this morning on a LF  and spent the afternoon yesterday with my parents and phoned them at 9.00am to tell them but never told any of us . We wouldn't have gone if we had known , my dad thinks it's ok and can't understand why I am bothered . Fingers crossed my GKs don't get it again. I have started with a headache probably from the stress 🙇🏻‍♀️. 
    Took GKs bouncing again and then to McDs so a good trip out. Grandma is £28 lighter but has come from their spends account. 

    Plus Shell Energy wanted to put down my DD to them from £50 to £33 from this month. I am £144.54 in credit , but instead I have asked for the credit back and asked for a forecast of what my bill will be after Feb when my fixed rate ends which was £60 per month so that is what I have changed it to now . £110 coming back to me so will just keep that to one side for extra in case it's more than £60 a month. 

    Hoping I don't test positive, but not optimistic. 
    Life is an adventure, never stop exploring.

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