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Little miss is off on a trip with Brownies this morning. The plan for the rest of the day/weekend is to get the tree up, give the house a good clean and make sure all the bedrooms are tidy, and all the radiators have clear access around them ready for next week."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
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Sorry about the boiler. Hope the Brownie trip went well. Congrats on the decorating.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 -
Thank yousavingholmes said:Sorry about the boiler. Hope the Brownie trip went well. Congrats on the decorating.
"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 -
Aww. I remember when my DS went on trips with the cubs.Hope your DD enjoys.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 -
Thank you. It was only this morning, and she had a lovely time and came home with a badge so she's happy.beanielou said:Aww. I remember when my DS went on trips with the cubs.Hope your DD enjoys."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 good to get a badge too!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 -
Sorry to hear your boilers packed in. I don't know if you know anyone with a heated airer for drying clothes you could borrow. We have one(not overly great at drying our clothes tbh) but it's really good for taking the chill off a cold room and only 7p an hr for ours. I often have it on for a bit instead of the heating and I used it in the kids rooms to take the edge of and heat the room quicker in the cold snap last week. They are hot to touch though so be careful with children/cat !Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)3 -
We had a bit of a spendy morning while we were out. I bought a new string of lights for our tree, as it's longer and I should be able to use one lot rather than two. Some paint remover to try and clear some of my drips off the stairs.
We've had a quieter afternoon. I'm still worried about the cat as she's not eating a lot. She's already skinny so can't really afford to lose any more. I've had the heater running constantly this afternoon to try and warm up the house a bit in case she's struggling with the cold. I dread to think how much it will cost, but it's worth it. I've also given her a nice fleecy blanket which will hopefully hold the heat better when she's lying on it. I stumbled across the book 'Goodbye Mog' today which doesn't help 😭
DH is actually going out tonight for a couple of hours. It will be nice to have the TV for once!"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 -
Yes, she's very happy about that!beanielou said:So good to get a badge too!
That's a good idea, I don't know anyone with them. I bought a small heater yesterday which wasn't too expensive and will be handy to have as a backup in future. I don't think it will be particularly cheap to run though, so hopefully it's only needed for a few days!NeverendingDMP said:Sorry to hear your boilers packed in. I don't know if you know anyone with a heated airer for drying clothes you could borrow. We have one(not overly great at drying our clothes tbh) but it's really good for taking the chill off a cold room and only 7p an hr for ours. I often have it on for a bit instead of the heating and I used it in the kids rooms to take the edge of and heat the room quicker in the cold snap last week. They are hot to touch though so be careful with children/cat !"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 -
If only you were nearer I have a heated airer you could have had.Reminds me must go & see what’s dry.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
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