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Lots of lovely good news greent.Β Very happy for you.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living6 -
Great that radiotherapy is complete.Β
Lovely for your DS on the missing mark.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.3K Equity 36.55%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£30.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 35.5/Β£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.1K updated 14/11/256 -
Β What a lovely post full of positive things to celebrate!Have a fab time at the wedding, your half term is the week after ours in Le Shire, do you break for Xmas on 16th as well?Hope DH comes home soon.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 π’ π’ π’ π’ π’ π’π’ π’ π’ π’ π’ π’ π’ π’π’π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******6 -
Me too @greent - I also won a bit more on PB than the small trickle of Β£25. Almost worth considering the equivalent annual interest rate. The web site is so unresponsive (especially on the day they send the email to tell you you have won) that I won't be checking which bonds did it for us. I confess to buying a lucky dip lottery ticket too, just in case my luck is good at the moment!
Congratulations on both the completion of your active treatment and the upgraded results!Save Β£12k in 2025 #2 I saved Β£14,660.97 of Β£6000 or 244.35% of my target. The 2026 Save Β£12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at Β£2880.99/Β£3000 or 96.03% of my annual spend so I am sticking with a Β£3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here6 -
Yep - we do break for Xmas on 16th - means a lovely full week off before Xmas (DH and I are escaping to Brighton for a couple of nights that week - DD (25 by then) has the weeknoff work and has volunteered to look after DS2 (16) and DS3 (13) ππf0xh0les said:Β What a lovely post full of positive things to celebrate!Have a fab time at the wedding, your half term is the week after ours in Le Shire, do you break for Xmas on 16th as well?Hope DH comes home soon.I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 Β£124616 01/11 Β£89873 01/13 Β£52546 01/15 Β£12133 07/15 Β£NILNet sales 2024: Β£206 -
I saw your win on your thread - lovely news!ΒSuffolk_lass said:Me too @greent - I also won a bit more on PB than the small trickle of Β£25. Almost worth considering the equivalent annual interest rate. The web site is so unresponsive (especially on the day they send the email to tell you you have won) that I won't be checking which bonds did it for us. I confess to buying a lucky dip lottery ticket too, just in case my luck is good at the moment!
Congratulations on both the completion of your active treatment and the upgraded results!
I never check which bonds have won - that level of detail is too much information for me! π€£ I do use the prize checking app to check for prizes, though - it is quicker than the email arriving
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 Β£124616 01/11 Β£89873 01/13 Β£52546 01/15 Β£12133 07/15 Β£NILNet sales 2024: Β£205 -
Enjoy the family wedding greent and Iβm so pleased you have finished the radiotherapy now, have a great weekend πMFW 67 - Finally mortgage free! ππ4
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Glad things are going well for you Mortgage restart June 2018 Β£119950Re mortgage August 19 Β£110470, β¦ Mortgage November 22 Β£85600 final 0% CC 3300Home renovations - Β£65000, mid 2018 - mid 20225
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Always nice to have time off and away to look forward toAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.3K Equity 36.55%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£30.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 35.5/Β£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.1K updated 14/11/254 -
Ahh - thanks everyone
Wedding was lovely - although I fell over in the middle of the street (caught my foot on a raised paving slab) - oof that hurt!
Since then I have had 2 proper days sick - for a cold! The rest of the time I've been at work and working regular length days - it's so busy! I've given it until Xmas for me not to feel so 'meh' about the job.
It's now half term - yeay! I've listed some things on fb00k to try and sell them - 1 thing sold so far (Β£15) , 2 people have said they want 2 others (Β£26 for the 2) - it all helps! It's all going to the increased Florida fund - we're going to need quite a bit more than we budgeted back in 2020. I've got some more bits to list too, when I can get the motivation!
Β
Money wise (other than the above) we have 2 reg savers maturing early next month (at the huge rate of 1%
) - will open newer versions @ 5.25% (or thereabouts - I looked it up earlier and can't be sure on the exact rate) for both of us.Β
We had our latest energy invoice today. We have a smart meter, so the readings are taken for us. Even though we've taken some steps with less energy we still managed to use just under Β£200 worth of electricity last month!
- we clearly need to take more steps!!!! Although realistically there are 6 of us here with usually 2 or 3 people wfh in the day with 2 monitors and 1 or 2 laptops each. We use the wm every day (although shorter wash cycles and sometimes lower temps (not a huge fan of 30 degrees for most things) but I'm not a fan of the TD (other than 10-15 mins to fluff towels) I do use the oven a lot, I suppose.
Heating isn't on yet - it's been really mild. We did have the fire on 1 evening when DH and I were both full of a heavy cold and feeling very rough. We should easily get to NovemberΒ
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 Β£124616 01/11 Β£89873 01/13 Β£52546 01/15 Β£12133 07/15 Β£NILNet sales 2024: Β£208
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