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*sigh* this is still taking a while, but moving forward (slowly!)

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  • Great to have a new diary.  Good luck with all your aims for the next year.  

    Well done on hosting.  As you say no doubt a few are put off by your family being larger than average but no excuse for your  siblings not hosting parents.  
    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/£7000
  • Happy new diary Ohsh.

    Had to smile at the hosting Christmas.  Same here! DD1’s fiancé’s family came for a food and games evening last week and being a large family too commented that it was nice to be  invited out.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Lovely to be able to issue the open invitation for the friends with less than wonderful home situations - bet they love being included in your celebrations too! Shame about rubbish siblings however ai suspect MrEH’s siblings may well regard him as a bit of a rubbish one so probably best I say nothing there…although in fairness to him the others are all (very) local to his M&D whereas we are very much not! 
    🎉 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
  • Lovely to be able to issue the open invitation for the friends with less than wonderful home situations - bet they love being included in your celebrations too! Shame about rubbish siblings however ai suspect MrEH’s siblings may well regard him as a bit of a rubbish one so probably best I say nothing there…although in fairness to him the others are all (very) local to his M&D whereas we are very much not! 
    Agree! What a wonderful thing to do for the friends. 

    Families can be tricky can’t they. I suspect I am the ‘rubbish’ one as well a) due to being the furthest away and b) due to being scapegoated and emotionally abused i emotionally keep my distance too.  Im not going to put any pressure on my kids when they are adults to feel they have to host me to make me happy. I’d rather be by myself volunteering of something.

    xxx
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • Happy New Diary (and Year!) - subscribed  :) I'm sure you know we're all behind you! 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to have a fresh start. Happy new diary. Subscribed.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Humdinger1
    Humdinger1 Posts: 2,294 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Subscribed and looking forward to another splendid year! Love Humdinger xx 
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh - yes - I'd forgotten the "free" council tax months! Water rates are the same for us too - so that will be a nice little savings bonus to be had! 

    Well done on Dry January! Are you finding you're not missing it, or have the triggers not been there yet? 
    🎉 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
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