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Small steps lead to big changes...
Comments
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Thank you everyone
"If you can dream it, you can do it". Walt Disney1 -
Glad you got to the beach. The photos look lush.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 231 payments to go - now £178.5K Equity 28.6% cf £250K purchase
2) Spend on handyman, external building works, patio door, hard landscaping, floor £25.3K
3) CC £20.8K on 0% spends card offset by £31.3K savings
4) Mortgage neutral by 06/2030 (AVC £15.1K + Lump Sums DB £4.6K + SiPP 1K) 20.6/£127.5K target 16.16% value at 15/11/24
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.5K at 15/9/241 -
Thank yousavingholmes said:Glad you got to the beach. The photos look lush. "If you can dream it, you can do it". Walt Disney0 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
Aug - £118
Sep - £60
Oct - £18"If you can dream it, you can do it". Walt Disney2 -
I'm still padding, but only the basics as I haven't been keeping up with surveys etc.
The plasterer did come, hurrah. So that's all done now. Yesterday the electrics in the room plastered kept tripping, but I've turned them back on this morning and touch wood they haven't tripped again, so hopefully it was just a bit of moisture somewhere. I'll try plugging the hoover in later, and then if nothing fails, I should be able to move back out the back with my work computer. I hate not having two screens and working off the small laptop screen. The bathroom looks great though, and it will be good to get it finally painted and new flooring then that will be done!
Work event tomorrow, I'll be glad when this week's over. I'll have a little bit of time around my trains to have a little mooch around the city centre, so that will be nice. I've got my flu and covid jabs on Friday.
Still no news on the job front. It's not looking good though, there is evidently a battle going on about what has been proposed for our area. We've already lost a quarter of our headcount and if we lose any more we'll struggle to do the day job!"If you can dream it, you can do it". Walt Disney4 -
Well, I got my answer and it's not good news for me."If you can dream it, you can do it". Walt Disney2
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Oh no. So so sorry jwil 🤗🤗🤗. Xxjwil said:Well, I got my answer and it's not good news for me.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 this news Jwil.Debt free April 26th 20212
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I am so sorry to hear your news. The only thing to say is that at least you are no longer living with uncertainty.
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Oh no 😱😱😱😱Sealed pot challenge 822
Jan - £176.66 :j2
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