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Prosperous & Creative Soul & MFW Year 3
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That’s so nice when off spring treat you to a meal.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 -
Glad all went well for you.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 -
Glad you enjoyed the meal and DS and partner paid
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 -
Glad it went well. Hope you are managing to relax today."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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That was nice of DS and partner.
well done on the Italian learning. You'll soon be able to put it to good use and do some immersive learning.2 -
Thanks Lucielle, Beanie, Jwil, DIA and Blackcats
Having fun making art but too identifying to share these sorry. Still doing Italian. Plus work.
Behind in diaries againAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Glad you are having fun with the art, and well done on the Italian.savingholmes said:Thanks Lucielle, Beanie, Jwil, DIA and Blackcats
Having fun making art but too identifying to share these sorry. Still doing Italian. Plus work.
Behind in diaries again"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 McGee1 -
Glad you are enjoying some distractions. diaries will survive without viewing (for a bit anyway) - each of us does them for ourselves reallyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Thanks Mark and Jwil
I got my £ back on a direct debit that had been taken in error. Paid that into my account yesterday. I sent £200 to savings. I've had about £130 in interest this pay period - but used £90 of it towards recent spending. I had a 0% spending card offer come up but trying to resist that as my current one led me into temptation. It would however even let me do a 15 month balance transfer for only a 1.5% fee - so it does present a stoozing opportunity. I don't think I trust myself though. Does make me second guess my planned pay off when the Reg Savers mature though - as I could put that £ in my ISA instead and earn £ on it. Will ponder.
I need to put in an expense claim for over £900. I won't get it back until September but it is on my existing 0% card so not an issue. This is for my courses and a membership that will save me having to do a different exam. I got an amazing deal and that work will reimburse me is the cherry on top.
My holiday is getting closer. I'm leaning towards going by car - although my railcard finally validated. I need to order my travel £ and book my parking if that is what I'm doing.
I'm also going to investigate some fun short courses I can do from September - potentially for free locally - but I'm struggling currently to get my log in details to validate so it's really frustrating.
I've done a tiny bit of Italian today - need to do some more really. But I'm also going to make art. Still sleeping badly. Probably not helped by keep forgetting to take my tablets until late. Will take now and see if that helps. With no cleaner and having been away much of the weekend I can feel my house slipping into the chaos zone. So hard to keep on top of everything - and now I've got more art supplies out it is worse still. I also need to go to the tip and get rid of a microwave. May dump in the garage next time I move my car and that would at least remove it out of the way.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Hope you had a better nights sleep. Good news about the good deal on courses and work reimbursement."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 McGee1
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