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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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I think that you need to use it with the pin first.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.4 -
Yes, was just going to say this happened to me the other day when I tried to use a new card contactlessly.beanielou said:I think that you need to use it with the pin first.
Then I got my PIN wrong three times and they locked it🤦♀️Mortgage OP 2026 £1030/2000Mortgage balance: £31,118
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3004 -
Eeek. Just what you nned~~not.skint_spice said:
Yes, was just going to say this happened to me the other day when I tried to use a new card contactlessly.beanielou said:I think that you need to use it with the pin first.
Then I got my PIN wrong three times and they locked it🤦♀️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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.4 -
Try just using an ATM to get the balance on your account, that is one of the things they usually suggest.
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Happy holidays
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Thanks Beanie Jwil and BM and Skint
Card sorted now. Spent more than planned yesterday but devoted last night and today to craft projects. I painted bird houses, made an owl and sewed new bells on a snowman ⛄after first giving him a wash!
Hope you are having fun where you are.
Also did 3 lots of washing
Achieve 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 £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
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 29/5/266 -
I love the owl!
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living3 -
Love the crafts3
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Great photos!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Well done, enjoy your crafting.Mortgage OP 2026 £1030/2000Mortgage balance: £31,118
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3002
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