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Semi Retirement and Beyond.
Comments
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Another one here with very belated birthday wishes.
Has the smart meter resolved itself? it might be worth downloading the Bright app as that will tell you whether the meter is actually doing what it should and it's just that for some reason the supplier isn't getting them. I assume that the electric meter is working as it should be? Does anything show from the gas meter on the IHD or does it still just show electric?🎉 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 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Thanks EH for the Bright app share.EssexHebridean said:Another one here with very belated birthday wishes.
Has the smart meter resolved itself? it might be worth downloading the Bright app as that will tell you whether the meter is actually doing what it should and it's just that for some reason the supplier isn't getting them. I assume that the electric meter is working as it should be? Does anything show from the gas meter on the IHD or does it still just show electric?I have lodged a complaint with energy provider and they have been very helpful so far. The electric smart meter works fine that's a SMET 1 , they only changed the gas one . They didn't leave an IHD.I am ready for Christmas now I think, all the food shopping is done , presents wrapped , cleaning done .
Have the DGD tomorrow so some hoovering will need doing Saturday.Wishing you all a Happy Christmas however you spend it .Life is an adventure, never stop exploring.2 -
Glad you are organised. Hope you fit some relaxation in now tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/260 -
Have a lovely time.
Relax & enjoy xxI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Just popping on to wish everyone Happy New Year . I am not well at the moment caught some viral infection and just mainly sleeping.Life is an adventure, never stop exploring.3
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Oh no. Take care and get better soon. Happy New Year 🥂January spends - £587.581
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Hope you feel better soon. Happy New Year xxI get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪1
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Be better soon xI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Hope you are feeling better soon, a lot of people suffering health wise the last few weeks. Just look after yourself.xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.001
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Oh no happy new year hope you feel better soon!*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1
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