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So close, we can smell mortgage freedom!

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Comments

  • Cheery_Daff
    Cheery_Daff Posts: 17,231 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy anniversary! Glad you had a nice time with your friend. What an awful situation she's in xx
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Happy Anniversary!  And happy raspberries and lettuce!

    I'm glad you could meet up with your friend - it's a nightmare situation, and nothing is ever the same again :( 
    2023: the year I get to buy a car
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Oh yes .Happy Anniversary for yesterday
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats on 10 year anniversary. 

    Paid employment is very different to freelancing - which is why I'm the former but I do get the attraction of the latter... I need a VA before I could do the latter successfully though and a marketing team ;)
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • themadvix
    themadvix Posts: 8,789 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Morning all,

    Thanks for the anniversary wishes! We ate and drank too much and I felt rather ill briefly, but was fine in the end. The food, as always, was delicious! And sangria is always good :smile: It was also less than budgeted for, so some money to move pots :smile:

    I am now the squad captain (in charge of the team who collects from that particular store) for my Olio collection (I won't go into details, but suffice to say it was long overdue that the previous one left). I was meant to collect this morning but I went and there wasn't anything, despite receiving a message to the contrary. Never mind. My main client is also all caught up at the moment, so the pressure is off a bit today. I've done some more Cambridge work and the plumber is coming to service the boiler shortly. I will head to the zero-waste shop and Lidl once he's done his thing. 

    At last we've got to a weekend with not much in the way of plans. Going to my sister's on Sunday for a belated Fathers' Day meal (I think, I've not heard anything recently!), but otherwise it'll be pottering at home and the allotment, I think. Some bits to get on ebay (still), so hopefully there's an offer for listings this weekend. There'll be pink currants to pick at the allotment, those edamame beans to get in somewhere, a plum to prune and all the usual (and I'll try to persuade Mr MV to come and finish the shed roof too).

    My cat sitting client for next week has shifted her trip by a day, so I'm now not starting until Tuesday, which suits me better as we're off to Wimbledon on Monday with hospitality (Mr MV's work), which will be great! I have a hospital appointment Tuesday and there's my friend's funeral on Wednesday (and have been urged to go to the pub afterwards), so I'm glad to have got fairly caught up with work!

    MS things:
    *Milk for today and Monday has been cancelled/shifted to Wednesday
    * Ebay sale means I'll turn some more stamps into cash (and 1 large 1st class and 2 standard 1st class exactly equal in-store small parcel postage, so it's very efficient!)
    * Have chased US client again about payment 🙄
    * Submitted time sheet for Cambridge for this week, but friend/supervisor is OOO now, so won't get paid next week either!
    * Clicks done

    Gratitudes:
    * Anniversary wishes from people (after I reminded my mother 🙄)
    * A lovely meal and a lovely evening with Mr MV 🥰 - looked back at photos which is always entertaining
    * A bit of a gentler day today (that said, there's plenty I should be doing!)

    Have a good afternoon all!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ouch at the reminder needed!  But I'm glad you had a good day 🍾 and it sounds like your weekend might slow down a teensy bit.  Nice one :) 
    2023: the year I get to buy a car
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The allotment plans sounds my fave bit of your weekend. I managed 20 minutes in the garden today. It's a start!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    5K sounds good.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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