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The Next Phase

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  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos.
    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
  • doingitanyway
    doingitanyway Posts: 9,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Photos are lovely. The Lakes are beautiful even on overcast days. 
    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)
  • beanielou
    beanielou Posts: 95,400 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good day.
    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.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,066 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Yesterday was shopping day with my dad and sorting a few bits out with parents . I babysat last night for the DGD , I was home for 10.30pm. 
    Today I am doing some batch cooking , walking to the big Tesco for GF supplies and ironing. 
    Tesco is about 2 miles each way so a nice walk as the weather looks great. 
    I am off on leave tomorrow so need to finalise some plans for that. 
    Life is an adventure, never stop exploring.

  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    The ducks all huddled ❤️

    Sorry to hear about the funeral. 

    Hope you get something lovely planned for tomorrow.
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • milann
    milann Posts: 11,361 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The photos look very misty and moody. Sounds like a lovely day.
    Enjoy you days leave tomorrow 👍
    January spends - £587.58
  • EssexHebridean
    EssexHebridean Posts: 24,421 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely visit to the Lakes - such a beautiful area! 
    🎉 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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,066 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    EssexHebridean said:
    Glad you had a lovely visit to the Lakes - such a beautiful area! 
    My most favourite happy place . 
    Life is an adventure, never stop exploring.

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,066 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 31 January 2022 at 4:23PM

    Today has been a trip to an old mill shop that sells lots of different things and has a cafe . Mum managed to spend around a £100 on much needed things 😂. I spent £20 on 2 bargains . 
    I am off shortly to look at the DGS whilst mum takes DGD to the doctor , possible ear infection . Then after that DS has invited me to his house for my evening meal. In one day off I will have seen all my family. 
    Sadly back to work tomorrow.Wednesday is the day I discuss part time working . 
    Life is an adventure, never stop exploring.

  • Sun_Addict
    Sun_Addict Posts: 23,970 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like another nice day, how lovely to see all your family in one day. Good luck for Wednesday, hope it goes in your favour.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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