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It sounds like a lovely weekend with the GC, I bet they love sleeping over at your place ☺ .Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS2 -
Lovely memories
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.3 -
Shopping and ironing done , just watching tv now .I have a holiday booked in April that was rebooked from Jan 2021 when I was meeting my parents in Spain . My dear friend who lost her mum at Xmas is now joining me which I am thrilled about . Can't wait to go and see the sun.Life is an adventure, never stop exploring.5
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I’m also off on my hols in April, Lanzarote for me. Fingers crossed it comes off for us 🤞I feel more optimistic this year though.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Nice to read of holiday plans in warm places 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 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)3 -
Nice to have a holiday to look forward toAchieve 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 6/7/252 -
Holiday plans sound brilliant. Pleased your friend is joining you 👍January spends - £587.583
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Exciting holiday plans! We're also off for a week in April but heading to Lundy off the north Devon coast so I'm anticipating less swimming costumes and more wooly jumpers being required!🎉 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/her2 -
Glad you have a holiday to look forward to. It will help to get you through the winter. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS1 -
Friday morning again and very busy week work wise and child minding. DGS2 has been a joy to have this week so far , Wednesday and Thursday afternoon plus a full day today. He is asleep at the moment , then I will take him to see his great grand parents .As for work, I have a meeting with my boss the week after next to discuss my plans for part time working.I have thought for so long about this I have more or less decided to go part time in June . I won't get my pension until December but have done lots of number crunching and lots of different scenarios and I think the time is right. I could keep procrastinating forever , as cost of everything rising etc .However anyone who knows my history of family will understand that life is very short and I want to spend more time with my family as I get older and have a bit more freedom from a desk .I will probably be living on rice and beans for 6 months but hey ho, it could be worse . I have a good pot of savings behind me if needed, plus I am looking forward to the challenge of living frugally for 6 months .I have put it in writing now on here so that makes it feel more real.Life is an adventure, never stop exploring.4
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