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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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Positive vibes for tomorrow
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. 19months left.4 -
Hope the exchange goes to plan.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/263 -
Same here. Hope it goes smoothly.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1244 -
Ooooh, fingers crossed! Exciting!2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!4 -
Happy exchange day! Hope it all goes well."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 McGee3
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Fingers crossed all goes smoothly today!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
Sending good vibes your way!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)3
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Hope all went well.Exciting new chapter ahead 👍January spends - £587.584
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Hope exchange all went well. House moving is so stressful and it the reason I've declared I am never moving again!!! We've had the lovely sellers and the awful sellers. Lovely ones do outnumber the awful ones but it's the awful ones that make the best stories
We went to see one house when I was pregnant with DD and the wife was so pleased that the house that she raised her kids in would go to another young family to raise their kids in that she made up a load of rubbish reasons to reduce the price. Like in the front room there were dents in the carpet when she moved the sofa "oh look at that! That will take some work to get those out! Honey, I think we should at least knock £1k off the price for the work they'll have to do to sort those out!" Her husband just agreed with whatever she said. To be honest, we couldn't actually afford the house but we loved it online and really wanted to go and look at it. By the time she had reduced the price for dents in the carpets, scuffs along the walls, a mark on the skirting board and a light bulb that didn't work! it was well within our budget We were forever grateful to her. Everything she pointed out was literally just usual wear and tear of a family living there and were easily cleaned off, or sorted out. She was a gem! Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£20010 -
Just checking how it's going?! Love Humdinger xx4
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