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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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I'm so glad you still loved your soon-to-be new house. Always a bonus when the current owners can show you the little bits that EA can't. Also a win on the furniture.
That's annoying about your phone data. Shame EE couldn't give you a better deal. DS has a much better deal on data on his phone than I do which is annoying! His phone is a cheaper one than mine (being so young I didn't particularly want him to have an expensive one) and mine was chosen for the only reason that it can live transcribe phone calls, so if anyone rings me (why don't they text?) I can have relatively accurate subtitles when they speak. So mine was more expensive than I would normally have chosen. He mainly uses his at home too so hardly uses any data which makes it extra annoying
Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2004 -
Good things are coming together for the houseAchieve 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 6/7/254 -
Glad the viewing has reinforced your choice of house, and great about getting the furniture as well."If you can dream it, you can do it". Walt Disney4
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Exciting times ahead 😊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.5 -
That’s great news about the furniture, even if it’s not quite to your taste it’ll give you time to decide what you want.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 #1245 -
All sounding good 👍January spends - £587.585
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It's all sounding so positive re the move - very exciting!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 Hemingway4 -
Hey all - thanks for the positive vibes on the move! It does all feel a bit one step forwards, and one back (but not two back, at least!) at the moment - we found out yesterday that the probate up the chain hasn't in fact been granted, and suddenly nobody was too sure when it had even been applied for, but today it seems that it may not quite be through but it IS well progressed, so fingers crossed that is right... we've signed our mortgage deed now anyway, so MrBoss has that, and we have the contracts at home to check through and sign...and another couple of bits of paperwork. the sales pack came through from the council yesterday on our sale too so that has been sent to our buyer's solicitor - nothing in there that is likely to put her off as far as we can see. (Thank goodness - the council are SUCH a law unto themselves it genuinely wouldn't have surprised us if they'd chucked a complete curveball in there!) So fingers crossed we may still be on target for the sort of timeline we had hoped...
I've elected to use my last hour of banked time to skive off a bit early today - we have various bits of stuff to do on the voluntary role this evening and MrEH is intending to go to rugby training as well so that will mean we can crack straight in to stuff as soon as he finishes work rather than him needing to wait another 20 minutes or so for me to get back. Once he has gone out I plan to get myself some tea sorted, watch some rubbish TV, have a bit of a tidy round and find the time to paint my toenails and epilate my legs - although not in that order as it would make an awful mess of wet nail polish! I also need to get my clothes together ready for packing for the beer festival.
MSE Stuff:
- interest is in on our long term savings/emergency fund pot.
- I have turned mobile data off on my phone to try to preserve my remaining EE data for as long as possible. I still don't know what exactly it was that meant I chewed through so much in the first fortnight of the month, but I've reset my stats now so I can keep an eye on what is using it in case there is something running in the background that shouldn't be.
- Banks checked this morning and all good.
- Mum transferred me some money for my birthday and that has been shuffled into the savings pot that will be contributing to the air fryer/multi-cooker we want. If I can get the multi cooker at the special offer price it often sits at, and use a L@kel@nd 20% off voucher against it as well, then we have enough in that pot now. (And let's face it - I won't buy the thing until the price is right, will I!)
- MrEH has been promoted to do the price comparison for his car insurance although we both hope he will just be able to let it autorenew with AX@
- CC is to all intents balanced off - albeit somewhere along the line I evidently overestimated. That can be absorbed into other spending though.
General:
- Food all under control for the week albeit last night's bolognese underlined quite how much my portion control has become over enthusiastic - I'll return to using the pots I used to use when freezing batch cooking next time I do any rather than being tempted to grab whatever is handy and guesstimate the quantity.
- I have come up with a use for the remaining eggs for tea tomorrow night which will also use up a nearing end-date part baked mini baguette, and the remaining few oven chips ion the bag. It won't be the most balanced of meals, but it will be tasty!
- MrEH ordered bird food last week and that should be arriving today (May even have already arrived in fact) so they are well stocked up again. I do need to work out where the cost of that is coming from, although we did agree he's just make a small order and we will do a proper top-up once we are moved and have acquired a sturdy metal dustbin for storage of it in the shed!
Spendiness:
Nothing more immediately thank goodness...
Both of our Oysters will need feeding in the next few days to see us through travel over the weekend. I will be using the tube to get in to work on Thursday, then heading straight over to West London when I finish here that evening. MrEH will drive across and meet us all later, and we will almost certainly stay local that evening. Friday evening may well involve a tube trip though, and Saturday, Sunday and Monday almost certainly will. There is £50 in joint funds available for those top-ups and after that anything else that is needed will have to come from our personal spends.
I have transferred over some money from my fun account ready for the nights out with the team during set up - and will likely need to transfer a bit more yet too. Once the festival is open costs drop to just being a light lunch and a dinner at the subsidised canteen, but the setup days do tend to be a bit more costly.
Neither car will need any more fuel now - mine will get shoved in the garage when I get home tonight and it won't be moving again until we're back. MrEH's has plenty to do into London and back tomorrow, drop me at the tube on Thursday morning, and then get us to and from Kensington, and once we're back we'll be in a whole new month so all good there.
That's about it - honestly, what a ramble for a point in the month where nothing much is happening. It does help keep us on track though, this accountability, doesn't it!
🎉 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/her11 -
Sounds like everything is ticking along ok.
Strange you mentioned bird food, I was just about to order some....Do you use CH****M***W***s?
I know what you mean about portion control, I seem to have started doing bigger portions and that's not goo.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
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Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
All sounding busy & exciting, @EssexHebridean, & I think it sounds as though you deserve an evening of TV, sofa & toenail painting! I always think painting one's toenails is such an inexpensive morale-boost. I don't know why, as I can't really think of any occasions when having ice blue, pink, gothic purple or lime green toenails has ever brought me any advantages, except that it cheers me to see them!
Re probate slowness......when my sister & I were sorting out the parental estate....particularly the need to get the old family home sold because of it being 75 miles away from us & 55 away from my sister & the difficulties this created for upkeep, well we came to the conclusion that Probate is seen as unexciting bread & butter work in the eyes of some in the legal profession. We did have to chase it more than once, because as we suspected, it had 'come through' but the fact not communicated to either of us, so we ended up waiting longer than necessary, as our buyer (or rather his mother!) chomped at the bit with frustration & we started wondering if we'd lose him. We didn't though, I'm glad to say, as it had been a sad old time & we just needed to move on.
Well, I'm looking at my toenails now & thinking, "Well this magenta is OK, but what about that pot of palest iridescent turquoise I have upstairs?"
Enjoy your evening,
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 5.9kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)9
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