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2022 - Moving forward
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February update:
Debts:
1. £3,580/£3570
2. £4,654/£4642
Total: £8,234/£8212
Mortgage - £100,977.96/ £99,690.85
Savings:
LISA: £880
Premium bonds £575
Emergency fund: £68.46
Cash Buffer: £250
House improvement fund: £10
I'm under £100k on the mortgage now, 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 McGee3 -
Declutter update:
99. Socks
100. Cash box
101-102. Art products
103-104. Books
105. Socks
106. Hairbrush
107. Gift bag
108. 3000+ emails
109. Gift bag
110. Envelopes
111. Artwork
112. Scrap paper
113. Pen
Declutter totals:
Magazines/papers: 23Ebay parcels: 76Other: 113Total: 212Ebay listings: 60Survey/other earnings:Amazon: £5Paypal/cash: £29.29Other vouchers:£0"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 -
I'm so pleased to be under £100k. I'd really like to get to £75k, that's where I figure either of us could manage on our own if necessary. (Though hopefully no need!)
This month hopefully won't be quite so expensive but we do have the boiler service booked, and I have an eye test and we have a weekend away, so maybe it will be!
I'm getting edgy and stroppy again, so I'm going to look at trying to book a couple of days off work and hopefully get that time to myself. I just want to do a bit of tidying and cleaning around the house and have the space to do it, and without being constantly interrupted. I'm loving the lighter days but it does highlight the dirt!"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 -
Woo hoo on being under 100k
So pleased for you 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.3 -
It has been all go for you for sometime, and with all the extra effort it’s understandable for you to feel a little crabby 🦀
Great news on getting below £100k😼👍3 -
beanielou said:Woo hoo on being under 100k
So pleased for you
Thank you both, it feels like a big milestoneanother_casualty said:It has been all go for you for sometime, and with all the extra effort it’s understandable for you to feel a little crabby 🦀
Great news on getting below £100k😼👍 "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 McGee1 -
I've just signed up for the preventing diabetes programme. I didn't realise quite how full on it's going to be! Fortnightly sessions, monthly sessions, a 40 minute assessment. It's a bit overwhelming! Hopefully it will help though.
I tried to do a bit of a stock up in my grocery shop this morning - lots of cupboard bits and some frozen. I had some great substitutions though, I was well up on what I ordered! Every little helps indeed
DH has sold a couple of items as well. He seems to be busy sorting stuff out too so all good."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 -
Today I placed an order with Who Gives a Crap for loo roll. I've been meaning to do it for ages, but it always seemed like a lot to spend at once. I worked it out though compared to what we normally buy, and it's actually the same as what we normally pay, (I worked out the price per sheet
) The big bonus is it's sustainable, does a little bit of good in the world and I'll not have to worry about running out
Another couple of items sold today.
I made a donation to the Red Cross today as well. It's all so awful
"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 McGee6 -
Great news re the mortgage - well done 🎉🎈🎆4
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Great progress on the mortgage.
Well done on the donation. I agree it is a bad situation. It feels really random as I rarely read the news so didn't have some of the build up others did... Scary.
Have to keep focusing on what we can control. Hope you get some time to yourself soon.Achieve 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
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