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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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Have a great holiday.I’m pleased the house is going smoothly for you….long may it continue and you get to move in quickly 🤞January spends - £587.583
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Safe travels
Give me a wee wave on the way past!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.4 -
Have a fabulous holiday. Looking forward to seeing some lovely photos when you get back.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Well done on the energy credit and all your money shuffles. That's a good amount saved this month.
Enjoy your holiday Look forward to the piccies.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/254 -
Hey all - RT the fakeaway version of KFC sounds great - I’ve often been tempted to try Al’s southern fried chicken so may give that a go at some stage!Well we finally got across here just after 10pm last night - delayed but we’ve had worse! Currently no idea how we are travelling home as the ferry route we were going to use is cancelled for basically a month from tomorrow - cheers CalMac! We’ll work through some logistics though and this time round we’ll be claiming every single flipping penny we can from them for the inconvenience too - the way they’re messing the islands around is getting well beyond a joke. It will likely mean a crossing back to Oban a day later than we’d originally intended, though.Current view and the cute little pod we’re staying in until tomorrow are below - we’ve stayed here many times - the owners are lovely and the pod is just perfect, well priced too! (That’s the MSE content, right there!)No specific plans for today - a very lazy start for sure though - we’ve had bacon and egg butties for breakfast and are now enjoying the sunshine with copious quantities of tea (me) and coffee (him) - and as I have a good book and the surroundings are so glorious I see no reason to move any time soon! 😁
🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her19 -
Oh that looks amazing. Enjoy.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Studies/surveys September £18.30
Decluttering items 1197/2025
Books read 16
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Absolutely lovely EH! Enjoy your time away
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)New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!2 -
Gorgeous! And much nicer weather than down here although the sun is just about out now. Have a fantastic time!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 -
Ooh, that looks extremely cheerful! Enjoy! Thought of you this morning as we were at Bempton Cliffs and I was busy attempting to take pictures of puffins with my phone camera 😂😂3
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Wow! That looks amazing! Lovely weather too by the looks of it.Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2003
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