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Learning to walk before I run
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It's not been 10% for the whole year though. I've not got the figures in front of me, but it probably averaged 7ish over the course of the year? Either way, I'd still celebrate the win!
Glad the family are coping xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7 -
Any increase is a win! The other way would be cause to have a proper moan
Glad to hear Mrs. E is coping given the circumstances 🤍4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4 -
Got a Y Live survey for the first time in weeks and it took me up to a £50 payout! 👏9
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Sounds like you're doing the best you can, I think practical help is wonderful. It's the little things that fall to the wayside.
Congrats on the nw increase AND the emergency fund! Really pleased for you5 -
Congrats on that NW increase - it is impressive, whatever inflation is.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20256 -
Yes, well done on that increase and especially well done on the increases to your immediately available funds. It might not be the bit of money that works the hardest for you (in terms of accrual) but it is the real 'peace of mind pot'. Happy New YearSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
So pleased about your EF and NW gains.
Well done on everything you are doing to help. Sounds like you are being a rock for your family including MIL.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 6/7/254 -
Children are expensive, even making use of charity shops, outlet malls and clothing purchased out of season and deeply reduced in the sales! I have asked Mrs E to maybe cool the jets with purchases and activities for the rest of the month after £160 went up in smoke/purchases/activities in 5 daysI have had to purchase a new suit for FIL's funeral because none of the 3 suits that I currently have fit (all purchased c. 5 years ago). I am back on the 5:2 diet and have upped my daily steps target to 13,500 with the aim of walking 5,000,000 steps this year. Unfortunately the expense of this had to come from our EF because a) I didn't have new suit money and b) because it was an unexpected event/emergency. I am mildly grumpy about this but there isn't much I could do in the circumstances and because I did try and spend less than I eventually did (£185 for a suit and a shirt) by visiting multiple charity shops and outlets. I have started some gentle virement from other budgets and will file under "can't be helped". I am also trying to keep in mind the silver lining of "now I have a nice interview/first few weeks in the office and meetings suit for when I get my new job".I spent IRO 6 hours chatting to MIL and going over paperwork/notifying organisations about FIL's death on Wednesday of this week. I think it is going to continue to take a few hours every week for perhaps the next few months - there is so much to consider - even when the person who has died was actually really quite organised! Overtime may need to suffer as a consequence. It also looks like our planned family holiday has gone the way of the dinosaurs, entirely expected in the circumstances and at least it relieves me of the short term need to find £300 or so for passports and airport parking.Plodding on, hope everyone is coping with the January blues8
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£160 feels like a lot but honestly it's probably not that much, life is expensive!
Your suit is necessary, but you are right that it'll be handy with your new job.6 -
Good idea looking at the silver lining regarding the suit.
Well done on taking the time to support your MIL it will be appreciated by both her and Mrs E.
I feel the big holiday could still go either way. Cancelled because MIL can't face it without FIL or it goes ahead because it is what FIL wanted.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family8
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