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And now we go again...
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Oh heck Staffordia - that would be too hot for me, too!🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
EssexHebridean said:...Mortgage balance currently stands at £111,358.04 - so I'd like to OP £158.04 at the end of the month...
...we're of a mind to go in spite of "How Low Can we go January"...
We are failing miserably at the January challenge, as everything seems to be running out all at once! At least we know these are things we need and use on a regular basis so not all is lost!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 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3 -
I have to keep paying off odd amounts on mortgage OPs to keep a round figure...lol. Paid an odd £39 the other day and tomorrow I will hopefully be paying off some other silly little sum, before the bigger one next pension day.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £410/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
@enthusiasticsaver definitely recommended to keep the house warm if someone has heart problems.
EH - definitely look after yourself on the warmth front. You would tell all of us to be that person so you need to take your own medicine on that one and speak up at work. No point it exacerbating a health condition.
I had a really good year on the heating last year - but to the point I probably went a bit too far. This year I seem to have done the oppositive and gone too far the other way - but I think that's a combination of illness, stress and being on different meds so trying to take the rough with the smooth and just go with it for now.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254 -
Just popping by @EssexHebridean. We generally have the thermostat around 20 in this weather but depends how we feel. I usually have control of the mobile thermostat and keep it in my office upstairs with me. Sometimes I go downstairs and it’s 🥶. OH hasn’t said anything. We keep our payments the same all year so usually have a decent credit for the winter and I’m happy to use that if needed.I do put it on really early if I have to get up. Tomorrow I’ll be up at 430am so the timer will be set for 4am. Bad enough getting up at that time without cold adding to the misery!!!L x5
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I read an article in The Times yesterday by their resident GP contributor who was writing about how cold weather affects one. He commented that those who suffer from Reynaud's should definitely keep warm! Get the Powers That Be to turn up the heating up in the office EH!😳Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
EH - being cold in the office is not on! Please do speak up especially as it is a health condition.
If the powers that be can't/won't adjust the heat, you might want to try one of these heating pads. I bought myself one last week as my desk in the office is under a vent and above a cold void under the floorboards. It plugs in via usb & has made a huge difference to my cold extremities! For me it solves the problem of working in a heritage building with all the quirks that entails.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 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!3 -
I've been tempted by one of the USB car seat heaters for my desk at home 😂 And for one of the cars which currently has very intermittent heating 🙄😂 Definitely in the canp of encouraging you to get the office heating turned up if possible! Ours at home is doing my nut. At the minute it's been on 18 all day and the thermostat (in the warmest part of the house) still says 11 - it's not exactly like a sauna in here but I'm pretty sure it's warmer than 11 degrees 😂4
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I find the fingerless gloves really help with my poor circulation and blue fingers, but they also give a fairly strong hint that the office temperature is wrong. I used to wear contrasting layers with the gloves just peaking out and a thin circular scarf (pretty patterned rather than big wool!) pulling the colours together so it looked professional enough.
i had a look last night and saw some easy to knit free patterns so I may give that a go while I have some free timeMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Another vote for mentioning the office temperature. It's never easy to get agreement on this (the only thing worse is which radio station, which I have seen bring grown, professional adults to snarling incoherent rage) but people in outdoor wear means the bottom of the range is too low and health conditions should be prioritised.
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc4
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