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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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Re the fridge freezer, I'm hesitant to recommend Olio because a lot of people are time wasters but there are also a lot of people who are normal and decent, so might be worth considering putting it up on there if that feels manageable for you atm, if charities aren't being forthcoming4
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You could also put the FF free on FB. Alternative would be to pay for a collection.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
savingholmes said:You could also put the FF free on FB. Alternative would be to pay for a collection.
Everything crossed for tomorrow for you and I would definitely complain afterwards. Maybe you could start writing "Draft 1" of that now, with all the "industrial language" you want. Afterwards you can edit all that out but you'll feel betterGoals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2007 -
I think the problem with complaining about solicitors at the time ( I wish I had done on at least 1 occasion is you do not want to put their back up and delay things even more then once you are in you tend to forget about the bad bits. A little bit like childbirth
). Glad you enjoyed your relaxing bubble bath EH and have an enjoyable day.
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70006 -
Fingers crossed EH.........🤞Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
Yep, all fingers and toes crossed here too! Xxx3
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So many good vibes 😎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.2 -
Thanks for the continued finger and other digit crossing - not least as I've realised this morning that I'm past the point of being able to now dreg up any optimism whatsoever.
I don't use FB marketplace so that's not an option for the Fridge Freezer - I might dreg up my old freecycle account as I'm sure someone will grab at it on there - if so it will be on the same basis that I'd offered it to the charities on, that the taker needs to come and collect it from the communal area outside the flat on the afternoon of moving day...if moving day ever happens, of course! We'll see - not a lot of point in trying to do anything more about it right now anyway until we see what is going to happen next.
Banks checked and all fine - the monthly cashback earnings have landed from Sant-And-Er and they've taken the £2 account fee as well so I'll need to sweep that across to the VSP at some stage.
An email received over the weekend telling me that my Strava subscription is increasing on renewal so an incentive there to start trying to increase Ipsos earnings again as those are the ones I convert across to iTunes vouchers. I've actually got £32 credit on there at the moment which isn't too shabby - that will offset most of it anyway. Also need to keep my eyes peeled for my OP cashout landing as that should be due in the next few days.
Food is as under control as it can be for the week... remembered to get the bits needed for tonight out of the freezer so that's all ready to go. Lamb sausagemeat for tonight - that will turn into sausage and mushroom pasta with the last of the frozen mushrooms, the remains of a red pepper and some soft cheese. I've got spicy ragu out for tomorrow evening.
Right - off to consider crossing my fingers again...🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her8 -
Oh EH, that's a horrible feeling to have, but totally get why you feel that way. Hopefully it will be undramatic and actually happen to day and you'll regain some optimism then.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway3 -
Fingers crossed sending positive vibes x3
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