We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous soul embraces creativity & mortgage neutrality
Comments
-
We’ve seen a tiny fall in diesel prices round here this week - just a couple of pence - but petrol seems to be holding steady at the moment. A cut in duty is the obvious way of helping but the problem is the garages just add it back on again over the following few weeks - not always their fault, I know, it comes down to the price they are charged by their suppliers, where they are franchises.🎉 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/her5 -
Petrol in Dublin went up as far as 224 in some places or about 192 per litre in sterling.
If you are colour oriented there are various aids that will change colour when the item has cooled down enough. I find it's easier if I use something positive to counteract something I have difficulty with.4 -
We came back from holiday abroad yesterday. We only went away for 11 nights and petrol has shot up in our area since we went away! 😵💫Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,0004
-
Thanks jwil, @Drawingaline and @merlinsbeard @Mickyh-s EH and @WelshmansDaughter
I will try and get it through to my brain that such spends are okay... The coffee m/c has arrived but I haven't set it up yet. Jug will follow in a few days. My coffee pods came too. Debating whether to pay for it out of an existing budget category or whether to have it as an extra. My relative's present arrived so I need to wrap that for him. Big family do tomorrow that I really don't want to go to.
Round where I live fuel is rising rapidly. I will try and fill up when I drop DD and her friend off clubbing...
Weather has been glorious here yesterday and today - but too hot for me so pretty much stayed inside.
I checked my credit club report - and I am back to 999 now I've repaid my CCs so really happy with that. The difference is now showing on the balances section. I'm also on track with my mortgage capital repayment estimates. They take them on a different day and are about a month behind but I think my estimates are about right if not conservative. So grateful I got a fixed rate. Thinking of applying for a new CC to get points on fuel purchases - I could get paid via £co if the offer is still there. Will check out the MSE guide on that and energy and see if I need to do anything else while I'm at it.
Having commented on @Greent diary - I have made myself some B'scotch angel delight and I'm having that with strawberries as a late tea. Not very SW but hopefully will be okay.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/257 -
I
chocolate angel delight. 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 -
Oooh I've got chocolate angel delight in the cupboard, I might make some up! I've got loads of fruit I can have it with.
Through your work do you have any staff benefits where you can buy discounted gift cards? It used to be that you could buy a gift card for a discount and then use it for fuel at a supermarket. I'd check that gift cards can still be used for fuel, but it might be a way of getting a small saving."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Once your mindset has accepted aids are for everyone with areas they struggle, it becomes a lot easier to fund them.
Hope the gathering goes well and you've enough breaks.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Banana. It's the only one!!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park5 -
What is angel delight? They gave dad a pink one and it just looked like a pink foam...4
-
It's a powdered dessert, you whisk it with milk to make a kind of mousse. It's a retro delight from the 70s/80s. Total guilty pleasure!WelshmansDaughter said:What is angel delight? They gave dad a pink one and it just looked like a pink foam..."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards