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Small steps lead to big changes...

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Comments

  • vampirotoothus
    vampirotoothus Posts: 388 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Happy birthday. I hope you have a lovely day in that beautiful area V x
  • in_need_of_direction
    in_need_of_direction Posts: 7,866 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday. Enjoy the spoiling and the memory making
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,281 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy Birthday. I hope you have a wonderful day xx
  • Humdinger1
    Humdinger1 Posts: 2,451 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Happy birthday @jwil! This time next year you will be in new territory love Humdinger xx 
  • satchmo1
    satchmo1 Posts: 3,309 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday @jwil have a great day

    I freeze our bread immediately, and just take out what I need - mostly the bread slices are easily separated, if not put the tip of a knife between the slice.  If making sandwiches, you don't have to wait for the bread to defrost completely. 
    What would you get if all you got was what you were thankful for?
  • beanielou
    beanielou Posts: 96,768 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy birthday.
    Have the best day xx
    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.
  • ladyholly
    ladyholly Posts: 4,031 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have a wonderful birthday. 
  • dawnybabes
    dawnybabes Posts: 3,520 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have a great day x
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,520 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    vampirotoothus said:
    Happy birthday. I hope you have a lovely day in that beautiful area V x
    Thank you, it was lovely :)

    in_need_of_direction said:
    Happy birthday. Enjoy the spoiling and the memory making
    Thank you :)

    pennywisepoundstupid said:
    Happy Birthday. I hope you have a wonderful day xx
    Thank you :)

    Humdinger1 said:
    Happy birthday @jwil! This time next year you will be in new territory love Humdinger xx 
    Thank you :)  Hopefully!!

    satchmo1 said:
    Happy birthday @jwil have a great day

    I freeze our bread immediately, and just take out what I need - mostly the bread slices are easily separated, if not put the tip of a knife between the slice.  If making sandwiches, you don't have to wait for the bread to defrost completely. 
    Thank you :)

    Do you find the bread soggy for sandwiches?  I don't have a problem with freezing and using for toast, but that's what I'm most worried about.

    beanielou said:
    Happy birthday.
    Have the best day xx
    Thank you :)

    ladyholly said:
    Have a wonderful birthday. 
    Thank you :)

    dawnybabes said:
    Have a great day x
    Thank 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 McGee
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday 🎂🎉
    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 10/10/25
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