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Comments

  • vampirotoothus
    vampirotoothus Posts: 479 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: 8,410 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday. Enjoy the spoiling and the memory making
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • 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: 3,042 Forumite
    Ninth 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: 3,676 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: 101,203 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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • ladyholly
    ladyholly Posts: 4,111 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have a wonderful birthday. 
  • dawnybabes
    dawnybabes Posts: 3,679 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: 23,917 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: 29,233 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday 🎂🎉
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
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