📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Getting the balance right

1282931333450

Comments

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Wonderful walk today, so quiet and soothing for the soul, dragon flies and red squirrels flitting about and birds singing their wee hearts out, I struggled with my breathing but I did it 
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    El, that's beautiful!  I love red squirrels dearly.  I see a lot of damselflies, but not many actual dragonflies, that sounds wonderful.  I'm glad you coped with your breathing.
    2023: the year I get to buy a car
  • skint_spice
    skint_spice Posts: 13,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks lovely, glad you managed ok
    Mortgage OP 2025 £6750/7000
    Mortgage 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)
  • L9XSS
    L9XSS Posts: 438 Forumite
    Third Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Stunning scenery......hope you had a lovely day.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had fun. Kayaking sounds amazing.
    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 29/7/25
  • Fabulous pictures - and costs :)
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hi all, 

    I keep trying to reply quoting everyone but it isnt letting me, it would even let me reply without quoting also, will keep trying 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 21 September 2022 at 9:14AM
    ohhh it went that time, thanks for the kind comments, I had written loads but my phones doesnt seem to like quoting and replying, when I say my phone I really mean me, I'm so very un technical. 


    It is beautiful here,  The weather is mainly dry with rain showers, todays plan is kayaking and swimming again, a different loch and a different view :smile:  we had brought our bikes with us but we left the keys at home, so brought them all the way for nothing... oh well atleast we have our other stuff. 

    Spending is still on track, although Mr El is talking about a meal in a restaurant one night so I reckon that will blow any savings we have made, tonight its sausages with gravy and veg, no other spends planned ( apart from the alcohol) 

    Have a great day everyone will try and take more pictures to show you how lovely it is 

  • beanielou
    beanielou Posts: 96,024 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you are enjoying your break  :)  xx
    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.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Today was meant to be kayak and swim day but the weather was windy so we decided to do a nature reserve and a kayak later 

    Was a stunning ( but hard) walk, now to rest up 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.