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Love it there👍 If it’s where I think it is 😁👍January spends - £587.582
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Very nice. No hills round me, I miss them so muchDebt Jan 2017 = £42kMay 2022 = £15k2
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Ooh love a good view from a hill SG - fabulous!
Your thinking on the part time thing sounds sensible to me if you can make it work. I've been fortunate enough to be part time for a fair few years now and I've not regretted it for even an instant.🎉 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 -
Lovely photos. Well done on the walkAchieve 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 6/7/250 -
It's a happy and sad day today. My youngest grandson is 1 today , going to see him shortly. Then after that I am going to my best friends mums funeral the sad bit. My own parents are coming with me as they have known her for as long as I did over 50 years .I am not going to the wake as another colleague is also going to a funeral this afternoon so I am covering for her this afternoon as she is for me this morning.Food prices seem to be going up so fast at the minute it's quite scary , I am just thinking about my limited income from June if it happens . Will just have to eat less I guess .Need to chase up dental reimbursement today from health provider , went two weeks ago and nothing needed .I am pleased to say my no spend January is going quite well at the minute this will be NSD 18 today.
Anyway best get moving , I will be glad when January is over as everyone else . Thank you to my two MSE friends for their chats yesterday you brightened up a dull day.Life is an adventure, never stop exploring.4 -
Sorry to hear about your friend's Mum SG2 - hopefully the funeral goes as well as these things can.🎉 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 -
Hope the funeral goes well and you are able to enjoy the birthday xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1 -
Hope today goes as well as it can for you.January spends - £587.581
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Happy 1st birthday to DGS, that year has flown. Hope the funeral goes ok.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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A year already!!
Happy birthday.
Hope the funeral went as well as it could.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.1
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