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Prosperous & Creative Soul & MFW Year 3
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Sounds a fun and lovely weekend
great advice from everyone on the spends
I also find a cc even when I pay zero interest by paying off each month - my spends still go up .I am still reeling from my track everything q4 2023 - ouch ..
at least now YNAB is doing the tracking for me but due to no real payments the last 2 months it’s currently yelling at meDON'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#latest3 -
Glad you had a lovely time with your family. Sounds really nice for you all.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Thanks LWAP, DIA, Jwil, Lucielle, Sandy and Blackcats
Yes it was a really positive time. The kids are cute if full on with 3 of them!! I very much needed a go slow day yesterday and even though I've worked today still felt on a bit of a go slow.
Just watched a gorgeous film with lovely music on Am**** called the Tape. Loved it.
Sandy - I've seen little thrushes hopping around too and robins. The starling seem to come first thing but the other birds come too. I've not noticed bird poo particularly but my grass wasn't in the greatest condition to start with. I'm more worried about my cat catching one of them... It keeps leaving me gifts outside the back door but thankfully none have been birds yet since moving here...
I watered the garden and my pots. I also had a counselling session today.
I need to box up the returns - put the right bits of paper inside and outside etc. That is the starting point... The return itself is a separate activity. Printing the labels was step 1. Achieved that much.
This evening after work I nipped to the shop. I've bought some make up, a few household items and some food. I'm hoping to start making myself wear makeup more often - and see if that also boosts my confidence and encourages me to go out more... Whatever works... Want to make the most of losing weight - and encourage myself to continue that. I put a top on today that felt really loose which was encouraging. Definitely having non scale victories.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Sent £200 to savings today. Received over £41 in interest. So passive income this pay period has been £143 - but likely to be at least £20 less next month as some of that was the crossover period from when moved savings around.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
That’s a good wee amount in interest.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 -
Thanks it still feels very novel.beanielou said:That’s a good wee amount in interest.
I'm hoping to go an see DS the weekend after next and stay overnight somewhere. I may need to try and move my hair appointment which could be tricky.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Great amount of interest! Good non-scale victories as well."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 McGee3
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Great news on the clothes fitting better scales are so overrated much more motivating seeing clothes fit.
Nice amount of interest it is novel that we finally get some now. You will be surprised how much even a small amount pays now the rates are so high.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Well done on the interest. Can you combine the DS visit with taking some returns back?
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
It feels like such a novelty with the interest doesn't it! I need to remember to shift what is in my Sant-and-Er 5.2% account in a week as that rate will be dropping.🎉 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/her4
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