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And now we go again...
Comments
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Love the Christmas decorations and a glimpse of your new home.
Really bad on the RS. With all the ones I've moved with other banks I moved it the same day.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 10/10/253 -
Loving the tree.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.4 -
Love your fireplace EH and decorations. I have just moved my FD saver after waiting the 5 days , will remember for next year .Life is an adventure, never stop exploring.4
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Tree and decorations look lovely!"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
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Looking very festive EH 🎄I love how the house tea light holder casts shapes onto the wall, very pretty.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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It all looks gorgeoushttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
Thanks lovelies! SA that is my favourite of all our decorations - it was a Christmas present from a lovely friend years ago - originally came full of fudge in fact! The shadows it casts are wonderful aren’t they!
We have woken this morning to the gloomiest of gloomy weather - windy, torrential rain and just generally grim. I’ve not made it out of PJs yet! MrEH is prepping his kit for what is clearly going to be an exceptionally muddy rugby match this afternoon, and the only solid plans I have for the day involve getting a couple of Christmas bits sorted, heading to the land of pounds for cheap batteries for fairy lights, and to Sainsbugs to have a look at the clothes as the 25% off is still on and there are a few bits I could do with. Ooh - in fact MrEH has just announced his intention to pop in to town for a couple of bits, so I am going to head away and get dressed so I can cadge a lift! 😁 See you later!🎉 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/her7 -
S*vers often have good battery deals if there's one near to check outhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65 -
Loving the tree and fireplace 🎄January spends - £587.585
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I find the batteries in Lid! are pretty decent.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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