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Getting the balance right
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Well just wilting a wee bit......................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.3 -
If you let the sunflowers dry - the birds and squirrels will thank you if you then put them outside...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/252 -
Glad you all had a lovely day together 😊😊 I've just been reading back over your diary. Sorry to hear about Mr El's struggles. I had a previous partner who struggled with drink to a very problematic level, it was awful for both of us, so big hugs to you. Hope you're getting some support for yourself too xx3
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My sunflowers are looking much better this morning, I think being stuck in a hot car with no water for the day didn’t help them. Poor Mr El was squished in the back with them😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Mine are still very droopy
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.3 -
hey all, work has been very busy, it's been one week of bad shifts after another, add to that having one emergency after another and my back is breaking with the ppe, so bad I had to ask to swap out of the heavy work area.
Wages have landed in the bank account, just need to put the pension money into the SIPP and that's it sorted.
Were sposed to be going away shortly but I think I need to rest my back a wee bit, hopefully it settles down soon so i can enjoy myself.
Lots of issues with the family member we helped in August so have had to do emergency intervention stuff there.
Basically it's been manic and little of it fun, but we soldier on.
nothing else to report really, hope your all good xx3 -
Weve decided to go away earlier than planned, I took a couple of Mr Els strong painkillers and I've been stoned oot ma nut, back pain is still there but manageable, and I smell of deep heat, hoping it eases over the next few days.
We have kinda budgeted for this break, we have £300 to spend and have taken plenty food so hopefully we will have enough, accomadation has been paid.
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Hope you have a decent break. You really deserve it 🤗4
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Thanks Peb xxx2
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Enjoy the break xxxI 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.2
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