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2022 - Moving forward
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The FF might come back with a new offer when they see you aren’t biting. The pads are amazingly high, well done.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/p12 -
Great stuff with the padding and new arrangements.Have a good week 😼2
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I'd agree with the possibility of there being room to negotiate on the FF - assuming you've not already reached your highest offer that it, I can't recall whether this was a first approach or one that's been playing out?🎉 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/her2 -
Morning all
Raining here and set in for the day I think still cold but not quite as bad. Off to work for me and Mondays are I think my favourite client day three really nice people and we all get along really well.
DW to empty this morning and I will put a wash on before I go to work, dinner tonight is quiche new potatoes and hm coleslaw and salad so nice and quick.
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Thank youWinterWarrior said:The FF might come back with a new offer when they see you aren’t biting. The pads are amazingly high, well done.
Thank youanother_casualty said:Great stuff with the padding and new arrangements.Have a good week 😼
It's my first approach (this year), I did the same last year. My offers this year are higher than last year but I don't have much room to play with. There's a massive gap between my offer and their offer and I can't get much closer, so I'm happy to leave it another year or so. Hopefully at that point, I'll have a bigger pot and be able to go further. I'm paying no interest and my monthly payments are less than £10 each so I can afford to sit and wait, even if I'd rather clear them! Their offer this year was also better than last year, so maybe one year we'll meet in the middleEssexHebridean said:I'd agree with the possibility of there being room to negotiate on the FF - assuming you've not already reached your highest offer that it, I can't recall whether this was a first approach or one that's been playing out?
"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 McGee2 -
Oh my anxiety has gone through the roof today! It's been a while since I've felt like this
I've got so much to do this week and more keeps being added, so I'm under pressure. At least it's time limited and I will be on leave for 2 weeks at the end of the week. I'm counting down!"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 -
Sorry your anxiety is increasing. Is there anything you can drop, delay or ask for help with?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 -
4 days to go & counting.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 -
Some things have been delayed, other things are appearing to replace it though. It's partly my colleague is off on long term sick and I'm having to do stuff out of my comfort zone. I did have a panic yesterday with some other colleagues and got some good advice. I just need to tick a few things off and then I'll feel better.savingholmes said:Sorry your anxiety is increasing. Is there anything you can drop, delay or ask for help with?
Nearly there! No school run on Friday too which will help!beanielou said:4 days to go & counting."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 -
Today's PAD - £2Jan - £126Feb - £106Mar - £136Apr - £17"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
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