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Prosperous & Creative Soul & MFW Year 3
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Hopefully you can sleep yourself to wellness, get plenty of rest!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
Feel better soon.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 -
Get well and enjoy all the moving prep to the next stage of your lifeDON'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 -
Thanks Blackcats, Dancing, BM, LWAP, Merlin and Beanie - hope I didn't miss you but if I did I'm sorry.
I did manage to doze in bed so that was good. I have the heating on the throw was an extra. Boss was okay. Hard for them to argue when even Doctor accepts you're ill.
Had waffle, choc sauce, strawberries and ice cream for tea... Very tasty. I'm struggling to finish it tho which is very unusual for me.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 -
Hope the antibiotics kick in soon and you start feeling better."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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Thanks Jwil. Still feeling rough but grateful I get sick pay and can take the time to recover.
I have just been locked out of the same bank account again. I've emailed them a complaint as their password stuff is too sensitive and I've told them that I'm disabled. I've threatened to change bank as this isn't working for me. It takes me months to remember a password first time. So upsetting. I find it very hard to remember numbers anyway which makes it all so much harder. This is something like the fifth time they've made me change it in a month despite me explaining.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 -
Happy New Year SH, hope you feel better soon.
Reading your survey thread none of that would put me off, remember your surveyor isn't qualified in gas, elec, water etc and so can't say anything good about them.
Not sure if b!om3tric access via your phone would be easier than trying to remember various passwords.
With the sofa, if you don't go down the give away route, ask your handyman to break it down to fit in your car, that's how we always get rid of them.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Would it be any easier for you to convert a word into number. For example if I was rash enough to use something as obvious as badmemory I could convert that to 2 1 3 13 5 13 15 18 25. I would probably use something like my exs mother's maiden name.
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Hope the antibiotics do the trick and you feel better soon. Sorry you're having such difficulty with the bank.
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
Hope you're feeling better SH. Sending hugs 🤗
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
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