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2022 - Moving forward
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What a wee star Little Miss
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.6 -
Glad little Jwil is doing better.
Good luck with the bank appAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
She's greatbeanielou said:What a wee star Little Miss
I managed it in the end, the universe couldn't stop me for that long.savingholmes said:Glad little Jwil is doing better.
Good luck with the bank app"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 -
Not much achieved today, I find it really difficult to get anything done when everyone is around. There's always someone where I want to be! I have changed the beds though and cleaned the kitchen. I worked on finishing my library book instead
"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 McGee4 -
Belated financial update for January
Debts:
1. £3,580/£3575
2. £4,654/£4648
Total: £8,234/£8223
Mortgage - £100,977.96/ £100,242.33
Savings:
LISA: £871
Premium bonds £550
Emergency fund: £63.57
Cash Buffer: £150
House improvement fund: £10
I'm going to be under £100k on the mortgage this month, how exciting!!"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 -
We got under £100k last year, it seems to go down quicker after that milestone ⭐️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p15 -
Declutter update:
1. Scrap paper
2-12. Assorted items
13. Apron
14. Hat
15. Dr Marten bag
16. Hair band
17. Tiara
18. Shepherd costume
19. Soft toy
20-50. Clothing
51. Reusable bag
52. Scrap paper
53-82. Clothing
83. Lego
84. Trolley bag
85-89. Ink cartridges
90-91. Comics
92. Assorted craft bits
93. Paperwork
94. Kettle
95-96. Plastic tubs
97. Trolley bag
98. Clothing
Declutter totals:
Magazines/papers: 23Ebay parcels: 61Other: 98Total: 182Ebay listings: 60Survey/other earnings:Amazon: £5Paypal/cash: £19.08Other vouchers:£0
A pretty good start to the year!"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 McGee4 -
It's such a big barrier to cross isn't itWinterWarrior said:We got under £100k last year, it seems to go down quicker after that milestone ⭐️ "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 -
I've finally got round to doing my updates for last month. Not a bad effort considering!
Ebay sales are still trickling out which is good. I've got to £25 on one poll today so will pay that to the mortgage when I receive it.
Not much else to report really."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 McGee4 -
Wow, soon to be under 100k 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.4
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