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Ding! Ding! All change, please... (now replaced with new diary on MFW)

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 11,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We aim to please...  :#B)
    Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • beanielou
    beanielou Posts: 99,556 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Boo to the house news  :(
    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.
  • Blackcats
    Blackcats Posts: 4,471 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Sorry to hear about the house going back on the market.  It's a strange time for buying and selling but the Spring often gives the market a kick start.

  • Cheery_Daff
    Cheery_Daff Posts: 18,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Shame about the house, what a nuisance. All fingers crossed for nobody to buy One Careful Owner house until yours is sold - or if that does sell, fingers crossed for something more cheerful turning up!
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frustrating on the house buying and selling side of things. At least while you are awaiting you have tackled some of the spots in your home that needed more care and attention and hopefully made it nicer for you while you await the right buyer.
    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 8/5/26
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On the camera - good you have taken the plunge. It's too easy to defer happiness - and the previous pictures you've shared show you have real talent.
    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 8/5/26
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