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So close, we can smell mortgage freedom!
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South_coast said:
Thanks for the cat bum story, read it just as I was eating my lunch 🤣!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 Hemingway6 -
Great news on pointsAchieve 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 29/7/254 -
Another one here who found the organic weetabix far nicer than the original. We bought it in bulk a week or so ago as it’s a great offer. Hopefully we got enough boxes to last us until the next deal appears.
CRx6 -
Glad it’s not just us CR!
Back has been increasingly uncomfortable today- has been an issue for last three days. Can’t help but feel that physio poking it last week was the cause (apparently it’s the cause of the problem I went about but he found a compacted? vertebra which was very sore when poked - normally fine though!). He’s only just sent through exercises so I’ve asked him for an earlier appointment than next Wednesday, when it was scheduled. Beginning to worry I’ll be in pain on our holiday now.Did go to cafe briefly for a change of scene but driving makes back worse, so didn’t last long (long enough for a scone!). MS bit was I’ve downloaded the M*S app and got a sparks card, which is giving me 10% off clothes and I need some bras, so that will come in handy. Also brought home spare butter pat and jam from scone (esp jam as paid extra for it!).
After a lie down (ironically the terrible mattress still provides relief currently!), back was a bit better so managed some more work. At cats’ currently though, which required driving! 🙄
Have got frozen shepherds pie out of freezer and will enjoy that when I get back, along with this week’s GBBO.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 Hemingway5 -
themadvix said:Morning all,
Thanks SH!
Feeling much better today, thankfully! Just received supermarket delivery with my organic September stock up - about £20 saved on things I'd normally buy (won't need to buy weetabix* or passata for a while!).
*Organic Weetabix might sound unnecessary, and I'd agree, but we once made the mistake of trying them and the consistency is entirely different to normal ones (so much firmer and nicer), which made it impossible to go back - Mr MV runs on Weetabix (and has done all his life), so stocking up when they're on offer once a year is the best way to MSE them!South_coast said:I can't do Airtime Rewards, they don't support Sky Mobile 😥
Thanks for the cat bum story, read it just as I was eating my lunch 🤣!2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5003 -
QueenJess said:
Hmm that’s interesting. So I was a very early adopter of Airtime rewards and they decided years ago that they don’t support my phone either anymore. But I still get points and when I get to £20 they just pay me the cash direct into my bank account. I assumed this was the same for everyone? I cashed out this year as well. Might be worth looking into again? If not, then I shall stay quiet and pick up my cash!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Oh that’s even better then QJ re Airtime Rewards!
Your DS sounds like Mr MV when he was like - 6-8 Weetabix daily at the same age, and the school nurse didn’t believe him because he was so skinny - she seriously thought he was being underfed! With the organic ones, we’ve come to a compromise of a max of 4, with granola to alternate with - makes it a bit cheaper.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 Hemingway3 -
themadvix said:Oh that’s even better then QJ re Airtime Rewards!
Your DS sounds like Mr MV when he was like - 6-8 Weetabix daily at the same age, and the school nurse didn’t believe him because he was so skinny - she seriously thought he was being underfed! With the organic ones, we’ve come to a compromise of a max of 4, with granola to alternate with - makes it a bit cheaper.School nurses were rubbish. They kept telling me I should eat more because I was underweight. I ate tons, but was sporty and have a small frame so it meant that I was low on their silly BMI chart. Luckily I took absolutely no notice and just thought they were silly, but looking back it could have caused problems if I had taken it to heart. I remember thinking they were just irritating and I feel strongly enough about it that I’ve opted DS out of weigh ins at school with the nurse.2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5006 -
Sorry Jess, clearly wasn't awake this morning - re DS/DH confusion! We like bran flakes here too, but they are very much a very occasional thing as they have effects that are less than helpful! (Sorry TMI again!).
School nurses are definitely tricky. They really didn't believe Mr MV ate that much and thought he was lying at the age of 5.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 Hemingway5 -
Afternoon all,
Utterly, utterly livid with our selfish, greedy new government and their utterly irresponsible and short-sighted 'budget' (no actual budgeting has occurred - that's precisely the point). Sorry, I shouldn't expect anything better from utter Tory **** but I honestly cannot believe it. The actions they have taken will vastly worsen inequality and increase inflation. It's like they've entirely dropped the pretence that they care about the poor... just beggar's belief.
/Here ends political rant/
Still struggling with back problems this morning but feeling a bit better/less miserable. Have been to see cats, done some work for Americans, done Cambridge work (need to submit time sheet - including calculating how much I get for the extra bank holiday - amazing!) and just finishing off the work for my main client (expect there'll be more after this). Am also dehydrating several bananas into banana chips.
Picking Mr MV up from the station this afternoon. Would also like to get to the allotment at some point and I need to post an RM survey item and pick up my prescription.
Solar people won't be here until Thursday 🙄 Not at all impressed about this as they were the ones that kept pushing for an early date and now they'll be lucky to finish and get scaffolding down before we go away (can't see the scaffolding happening at all) - and I'm not letting them take it down while we're away as I don't trust them not to do more damage - unless I can get a relative to come and sit and put up with the noise.... (don't really think going away and leaving scaffolding up and brand new solar very accessible is ideal either). Hmm....
MS things:
* Clicks done and a few £ won on one of the spins
* Had massive portion of shepherd's pie for dinner last night - probably would have just done two of us, with some veg, but it didn't look that big when I got it out of the freezer - whoops!
* Not sure about dinner yet, but pasta/potato/courgette/quorn mince based in some form or other
Gratitudes:
* Super affectionate cat sitting kitties - the friendliest ever (friendlier than mine!)
* It's Friday! (Football tomorrow - still need to discuss with Sis)
* Win on the HW - love money for nothing
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 Hemingway6
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