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Good idea.satchmo1 said:So sorry about your DH being in hospital. Was it a workplace accident? If so, I'd be phoning the employer and stating that you need them to resolve your visiting difficulties. It's the least they could do!!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.2 -
Thinking of you allAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Oh jwil what a worrying time for you all - I do hope that Mr J is home by now and recuperating.🎉 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/her2 -
Thank you everyone
I appreciate the messages. We've just got home thankfully. It's good to have him home! The dog was so excited to see him, she's been so anxious the last few days not knowing what's going on, and being left alone so much!
He's got to go back later in the week, and there will be repeat visits for a few weeks probably, but as long as they are day visits, then that's ok!
I've coped with the driving, I'll never enjoy it, but I know that I can do it, and in reality I build it up into a bigger thing than it is. My anxiety is through the roof so hopefully we can have a bit of quiet time to try and relax. I've either eaten nothing, or survived on the odd chocolate bar most days since Thursday, so it will do me good to have some proper food again."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
I haven't done much else over the last few days, but I have continued with my PADs.
Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £4"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
End of month update:
Debts:
1. £3,500/ £3,434
2. £4,562/ £4,477Total: £8,062/£7,911
Mortgage - £96,177.49/ £88,271.07
Savings:LISA: £1,272.70 / £1,657.58
Premium bonds £1,025 / £3,200
Other savings 1: £0/ £450
Other savings 2: £0/£250
Retirement countdown: £122,984.48 / £107,628.64"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Driving when you are stressed is rarely much fun even if you like driving. So well done for coping. So amazing what we can deal with when we need to isn't it.
2 -
Declutter update:
958. Lego
959. Playmobil car
960-963. Tractors
964-966. Cars
967. Model kit
968. Train
969. Car
970. Fire engine
971-974. Shoes
975. Dress
976. Blanket
977-979. Socks
Declutter totals:
Magazines/papers: 97
Other: 979Total: 1076
Ebay listings: 173
Ebay parcels: 129Survey/other earnings:
Amazon: £50
Paypal/cash: £394.79
Other vouchers:£0"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Thank you. Yes, it is always amazing how much we can really handle.badmemory said:Driving when you are stressed is rarely much fun even if you like driving. So well done for coping. So amazing what we can deal with when we need to isn't it."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
So pleased for you all that your DH is home.
Impressive totals too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251
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