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Prosperous & Creative Soul & MFW Year 3
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Sorry to read that you have had two lots of bad news in one day. Sending lots of positive energy for both situations.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.3 -
l
Trying to find peace and beauty in the little things...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 29/7/254 -
Awww life is hard at times. Hope things sort themselves out.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 -
So sorry to hear about both the work and family news landing in one day 😢 That’s always hard.But you are in a way better position than you were 12 months ago. You will weather the work storm. I hope the family one becomes manageable.
Sending hugs x
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Sorry to hear that you've had two lots of bad news. Lack of / poor communication makes such situations much harder to deal with.3
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Lovely photos again. Sorry to hear about your family and work news. Fingers crossed everything works out. I feel your pain with the work news, and the lack of information and uncertainty is horrible."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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Sorry that this all comes all at once. Hopefully you have built up resilience and positive energy to help weather the storm. You are in the strongest position yet4
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Thanks all.
Trying to work but struggling. Relative admitted to hospital for investigations today. Appears likely to be cancer.
Been for a blood test at lunchtime and took these photos. Thistles may be out of favour but they are beautiful.
Finishing in less than an hour to go to Optician for further tests. Going by bus which has been a faff to sort out in case eyes remain blurry after dilation test.
Moved my counselling appointment to tonight. Nothing much else I can do yet.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 -
Sorry to hear about your two lots of bad news - sending hugs and good wishes. It's definitely good to be able to take pleasure in the small things - every little moment of peace/beauty will help x4
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Oh SH I'm sorry to hear about your bad news. I'm glad you're finding pleasure in the small things though - and I am with you on the beauty of thistles (but not in my garden please!) Teasels too - locally ours are just starting to flower and they are so pretty!🎉 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
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