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Learning to walk before I run
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Hope little one is feeling better today & that you managed to get some sleep Ed.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 - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)Psst...I may have started a diary!3
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There does seem to be a very nasty bug going around.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.5 -
Je suis half-shut knife 😵💫
Think we're looking at 7 loads of laundry including a couple of full size pillows. DD2 not being sick any more and nose sounds a bit clearer (she's normally sick because of nasal blockage then discharge and inability to blow own nose properly).
DD1, on the other hand, is having a great day. A parcel of random gifts arrived from a Japanese website including a set of capsule toys she bought with pocket money and has been waiting patiently (ish) for
£75.06 OPed - odds of childcare money + cashback from TCB and Chase6 -
Oh lummee … Sounds like the worst has past now! 🤞Well done on the OP. 👏😊
Early to bed for you tonight! 😉
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 28 books of target 52 in 2025, as @ 12th June
Produce tracker: £152 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Eighth load of washing is just about ready to come out of the tumble dryer, washing machine is running the drum clean cycle, off to bed 💤
Paid £2.52 into my SIPP today (£3.13 after tax relief) and £100 into a "pie" in my T212 ISA focused on a wee portfolio of 25 dividend stocks. Not for any particular reason, just an alternative to cash savings for a small percentage of my spare personal cash and a tax free home for it.5 -
Sterling effort on the washing! 👏😊 At least you will start the day clean tomorrow… 😉 How’s DD2 feeling now?You are lucky (or better organised 🤔) to have such a flexible SIPP. Mine has conniptions if I try and pay in small amounts …!KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 28 books of target 52 in 2025, as @ 12th June
Produce tracker: £152 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Thanks for asking @KajiKita - she still has a fever and is a bit breathless, but happy to chill on the couch watching Pingu with dad. It's tough when they're wee and unwell, but she will survive
I use Vanguard for my SIPP. They're not perfect, but their fees are reasonable and they are quite flexible with small payments.
Ps. Thank you for the new word!5 -
Sounds like she is over the worst of it then. I hope she will be tearing around in top form very soon 😊❤️
Thanks for sharing your SIPP provider. It’s amazing how these companies don’t seem to understand that allowing customers to pay in easily is a USP or even a fundamental function of the service they offer … 🤷♀️
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 28 books of target 52 in 2025, as @ 12th June
Produce tracker: £152 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
edinburgher said:Thanks for asking @KajiKita - she still has a fever and is a bit breathless, but happy to chill on the couch watching Pingu with dad. It's tough when they're wee and unwell, but she will survive
I use Vanguard for my SIPP. They're not perfect, but their fees are reasonable and they are quite flexible with small payments.
Ps. Thank you for the new word!Save £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 here4 -
@edinburgher, @Suffolk_lass, I used that word in work this week and no one believed it was real. I made them google it and now it is passing into local vocal currency …. 😉
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 28 books of target 52 in 2025, as @ 12th June
Produce tracker: £152 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5
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