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Comments
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Oh jwil your poor feet - thank godness the glass wasn't any worse, must have been really scary though.
That's rough about the boiler too - hopefully they will get it fitted next week and it will stay relatively mild until they manage to get to you.
Your cat is a beauty - ours used to love a bit of tinsel when we had her too!🎉 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 -
A double pain re your foot and the boiler delay. Hope tomorrow is a better day x2
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So sorry your hurt your foot and then your finger too. So frustrating. Doubly annoying about the boiler. You'll be glad of the free service next year but yes it's little consolation now. Make sure that you fill in your guarantee paperwork and it all gets registered correctly....
Well done on the PADs.
How exciting to nearly be done with work for the year and be up on your flexi-time. Definitely take it back. Why should you lose it?!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 -
I hope its warmer where you are as it's really cold tonight here.2
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Thank youfoxgloves said:Your cat is lovely - love the tinsel photo..We have two rescue cats - Soot & Ash (black mini-panther & silver tabby)- not their real names, but 'stage names' for the purpose of my MSE diary.
F
I love that yours have stage names 
She's been with us since she was a kitten.
It really is. I'm just gazing longingly at it nowbeanielou said:Eeek. That’s not on that the boiler is now teasing you. "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 youEssexHebridean said:Oh jwil your poor feet - thank godness the glass wasn't any worse, must have been really scary though.
That's rough about the boiler too - hopefully they will get it fitted next week and it will stay relatively mild until they manage to get to you.
Your cat is a beauty - ours used to love a bit of tinsel when we had her too! It was quite unnerving especially as I didn't know what it was. I was stepping sideways around the bed so stepped along it rather than on it. The cut is almost the whole width of my foot!
Ours loves tinsel, and patting plastic bags so had a great time while we were decorating the tree. She always likes the tree as well.
Thank you, it was betterteapot2 said:A double pain re your foot and the boiler delay. Hope tomorrow is a better day x
Thank yousavingholmes said:So sorry your hurt your foot and then your finger too. So frustrating. Doubly annoying about the boiler. You'll be glad of the free service next year but yes it's little consolation now. Make sure that you fill in your guarantee paperwork and it all gets registered correctly....
Well done on the PADs.
How exciting to nearly be done with work for the year and be up on your flexi-time. Definitely take it back. Why should you lose it?! The registration and paperwork is all included, but I will learn from your experience and make sure it's all done!
I'm done now, and did manage to take a leisurely lunchbreak yesterday so that was nice. It means I don't lose anything, but start the next flexi period with enough to take a couple of days off so a nice bonus.ladyholly said:I hope its warmer where you are as it's really cold tonight here.
Yesterday and today have both been really cold. I'm fed up with it now. Thankfully I think the nights are going to be milder again from tomorrow, so there won't be so much ground to make up in the day. I really miss the hot water too.
"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 -
We were without hot water for months until we could get a new boiler. You do kind of get used to it but we didn't have children. I hope they turn up next week.2
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I'm in awe of people who manage to consistently build flexi credit. I end up ill if I do so have to take it quite quickly after building it up as part of staying 'stable'.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 you. It's not so much a hardship, it's just unpleasant washing hand in cold water when they are already cold, and a faff boiling the kettle to do the dishes. We're lucky that the shower is electric so still have hot water there.ladyholly said:We were without hot water for months until we could get a new boiler. You do kind of get used to it but we didn't have children. I hope they turn up next week.
We have an 8 week flexi period and max 20 hours carry over so it doesn't take a lot extra on a day to build it up and if I don't take it all, then it builds up again quickly. With my compressed hours I tend to do two very long days which adds credit, and 2 shorter days which takes it away to balance out. But if I do extra on the two shorter days then it soon adds up.savingholmes said:I'm in awe of people who manage to consistently build flexi credit. I end up ill if I do so have to take it quite quickly after building it up as part of staying 'stable'."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 -
Ours is 30 hours which is why I rarely reach anywhere close to it - and over 12 weeksAchieve 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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