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

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  • Cheery_Daff
    Cheery_Daff Posts: 17,108 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Friday! I submitted a reading yesterday too, extortionate in our case because of course the boiler broke so we leaned heavily on electric heaters/shower/water heater for a couple of weeks - pretty much doubled the electric bill 😱
  • beanielou
    beanielou Posts: 95,483 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a happy weekend  :)
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Watching the first one now Beanie - excellent so far! 

    A rather delicious Rivington Gin on the go here, following up the Caorunn I had earlier.
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 95,483 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy the gin :)
    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.
  • milann
    milann Posts: 11,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Take care of the ankle. Must have been a shock when they crashed into you. Hope the camera was ok.
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those flapjacks sound amazing. Pass us one please...

    Glad your bike got sorted easily.
    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 6/7/25
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just caught up on your diary EH, you've been busy!
    There are some online password store things available, I confess I'm not quite sure how they are more secure but an IT friend recommended them when I turned up to coffee still laughing at having seen a literal Password Book on sale in the stationery shop.  I have various themes to try and allow for options that make sense to me but not to anybody else, though I've accepted that anything I use less than once in about 3 months I may as well give up and just accept the reset. 
    POA etc is a good reminder for me too, although my situation is different.  Family complications mean that I want the solicitor or someone else independent to take on organising things, especially as most of my friends are in that sandwich phase with complications from both parents and children and I wouldn't want to land them with avoidable stress. 
    Enjoy the flapjacks, I am off to google Malpractice on your recommendation!
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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