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And now we go again...
Comments
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May be worth taking a covid test EH. I just did one & its positiveMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
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Studies/surveys November £0
Decluttering items 1377/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Boo to the cold spoiling your NYE plans but a wise decision I think. Could you rearrange for when you feel better? It will cheer up dreary January if nothing else. Hope you feel better soon.I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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Hope all the lurgy sufferers get over it quickly. There’s a lot of it about. Thankfully this strain if Covid seems milder than the original.January spends - £587.585
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With going out for Xmas lunch this year( and not really enjoying it), I have seriously missed the Xmas left overs that you have over the days following Xmas day. Xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.004
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Hope you both recover quickly. It's disappointing to be ill on a break. Good call on not going and spreading it to your nearest and dearest / friends.
Well done on keeping the mortgage under control. I'm sure you will make light work of 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 10/10/253 -
Hope you are both feeling better.
my in-laws' parents were re-housed in Morden from Bermondsey when the Northern line first went out that far. A big estate of council houses was built at that time and they were able to chose which one they wanted. They chose a house with the biggest garden as they had never had a garden before. That garden gave them so much pleasure but my oh my it took a lot of looking after.5 -
Happy New Year 2024!
Hope you are both recovered from the lurgy & hopefully got to toast in the New Year! We only just made it past midnight & are paying the price today 🤣🤣🤣
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)3 -
Happy new year!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 -
Happy New YearJanuary spends - £587.584
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Happy new year and hope you are both feeling better./ Most my family went down with this flu/sickness thing, ending up in bed for 2 days over xmas - luckily I escaped the worse. I am probably used to bugs going on the London tube a lot.
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest4
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