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2022 - Moving forward
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Glad you had a fab time and well done cancelling the trousers!🎉 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/her3 -
Thank youEssexHebridean said:Glad you had a fab time and well done cancelling the trousers!
I can't believe I didn't remember. Must check drawers first in future! "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 McGee3 -
I've been shattered the last few days, I think it's last week and the weekend catching up with me. Feeling better today.
I took a long lunch break today to try and get back some of the time from the evening meetings last week which helped. I even did a short workout too, go me! I tidied the house and caught up with the washing too.
My GP sent a letter advising me to go on a preventing diabetes course, so I'll have a look at that. I haven't been doing great with the diet, though I have been making efforts to eat better.
A few sales this weekend again I've paid the money to the mortgage.
Hope everyone is well "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 -
Yes, indeedjwil said: 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.2 -
Good luck with the courseAchieve 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 29/7/253 -
Hope you are feeling better after your longer catch up lunch. Well done on sales and the mortgage.
The course is pretty informative according to a friend who recently went on it (If its the same across the country) 😀Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...4 -
Everything seems fine @jwil😼
Regarding the course , as @NeverendingDMP mentioned they are very informal .
Well that's what my geordie friend told me when he went on one 2 years or so ago .
Keep on plodding ..3 -
Thank you everyone I still haven't even looked at the course yet, I must sort myself out.
This week has been very busy, so I'm still shattered. I've got 4 days off now so am hoping to get some relaxation time, and time to catch up on admin.
We were just outside the red zone today, but it hasn't been as bad as it could have been. The kids were on inset day anyway, but little jwil had a birthday party. I was a bit nervous about going out, lots of tree bits floating around, but it wasn't too bad. The family allowed little miss to go to the party as well which was very kind of them. I was working so left them there and picked them up. They both had a great time.
Swimming tomorrow then will visit my folks. I'm hoping for a quiet day on Sunday. We have plans Monday and Tuesday, and then I'll be back to work. DH is off for 2 weeks now so hopefully he will get some stuff done, and it should mean I don't have to do the school run, so can hopefully do shorter days!
We've had a couple more sales so I've sent the money to the mortgage.
Hope everyone is well "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 -
Enjoy the weekend & your days off xxI 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
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