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Impressive PADs and decluttering in the thick of it @jwil! So glad DH is home and your work is understanding. Onwards and upwards love Humdinger xx2
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Hope the appointment goes well today and you can both have a chilled weekend. My workplace was fantastic when Mr SA was in hospital, it does help when they're on your side.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Hope the hospital trip goes smoothly for you.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 -
Hope today goes well.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 -
Hope the hospital trip went well and that you have also had a good response from the garage.🎉 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 youNeverendingDMP said:Glad the car passed and hopefully the exhaust gets sorted and they deal with it well. Hope hospital goes okay. X
"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 youHumdinger1 said:Impressive PADs and decluttering in the thick of it @jwil! So glad DH is home and your work is understanding. Onwards and upwards love Humdinger xx
thank you. It makes such a difference when work is supportive doesn't it.Sun_Addict said:Hope the appointment goes well today and you can both have a chilled weekend. My workplace was fantastic when Mr SA was in hospital, it does help when they're on your side.
Thank yousavingholmes said:Hope the hospital trip goes smoothly for you.
Thank youbeanielou said:Hope today goes well.
Thank youEssexHebridean said:Hope the hospital trip went well and that you have also had a good response from the garage. "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 -
I'm very glad I'm done for the week!
It's been a challenging day and I'm not sure whether I'm coming or going!
Hospital went well, and we weren't there too long (outside of the hour long trip each way), and don't need to go back for a week now, though I have to play nurse in between.
I had a very quick response from the garage, and they think that just a new washer is needed to fix something back on more tightly. I can nip in any time and they'll sort it for me, so that will be a job for next week. Using the car today, and the noise does sound like a vibration/rattle and is only really present when idling or travelling at low speeds, so what they've said makes sense. They haven't tried to push me into replacing bits on the exhaust, saying that I could replace it, but they don't think it's needed at this stage, so that seems positive as well.
Sofa and book is beckoning me I think tonight!"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 McGee2 -
Lovely to read some positive news 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Good news all around 😀Sealed pot challenge 822
Jan - £176.66 :j2
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