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Prosperous & Creative Soul & MFW Year 3
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Good news on bone scan results.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 GAP and Beanie. I just wish the receptionist had given me the result on the phone instead of making me wait and worry unnecessarily. They've ordered me different patches as apparently they are back in stock so that is positive. I need to go and collect them though as the e-ordering system wasn't working right. My fever seems to have finally broken which is good news.
Had an okay work day. Finished slightly early but not much. Caught up with my emails and had a couple of video calls. Worked from my sofa today - worked well for what was mostly reading, filing and deleting. Tomorrow likely to sit at proper desk.
S'der called me about a complaint I made about their passwords being too sensitive - and they gave me £30 so that was positive.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 29/7/259 -
Please you're feeling a bit better and that the bone scan results were okay. Good result on the £30 & the buyers wanting some of your furniture, great to have some wins amongst the stress of dealing with the bank and the move. Hope they get back to you with a viewing date soon.4
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While it is nice they gave you the £30 gesture did the bank offer any help with your password issues?Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Thanks Dancing and Skintskint_spice said:While it is nice they gave you the £30 gesture did the bank offer any help with your password issues?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 -
I hope that helps you in the future. I have that savings account too, I have no issues with them.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
`£30 always useful and hopefully a resolution
All sounds well on the moving - have you got a date yet?DON'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 -
Good result on the £30 I am thinking of purchasing some sort of password key software there are just so many and it is annoying to have to reset all the time.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#latest3 -
Thanks Skint, LWAP and TG
Just had quite a maudlin counselling session. Obviously a lot of pent up stuff! Mix of moving stress, time of year and illness and health worries. On top of that I accidentally shut a file down today and lost 3 hours work unless someone can rescue a temp file somewhere for me.
Thankfully my cleaner has been and made a huge difference. I was a wake until gone 3.30am as I made the mistake of looking at my email in the early hours of the morning and saw my buyer wanted to come today. The house looked terrible. I ended up getting up for an hour and doing some bits including moving an easel upstairs and setting the dishwasher going - before mentally saying I can say no.
My cleaner came and my front room now has a more logical amount of furniture in it. She really liked my new sofa and thought it was very comfy. We moved a chair that comes apart upstairs. She moved some other stuff upstairs. We got my recliner into my home office - it has weird sliders which helped. She's cleaned the kitchen and lounge and vacuumed the hall stairs and landing and done the downstairs loo. She's made piles on the old sofa of what I need to finish sorting through. I didn't want her to put stuff away that I still need to bin / donate / go through and some of it was part sorted. My cleaner strongly suggested I refused the visit and gave an alternative day so I did that. I was worried the buyer would still turn up but he didn't which was a relief.
My mortgage offer arrived today and it all looks as expected.
I've achieved a lot this week - I need to focus on that rather than all the things that feel out of control. At least the house looks more in control again and is therefore much less overwhelming. Hopefully I can continue to reduce how much stuff I have and make future me's life easier. I love how Dana on Utube says 'future me doesn't deserve that much credit.' She therefore advises against 'keep' boxes and says - put it where it goes or let it go. The cat is curled up next to me on the sofa purring away...
Hope you are all having a good week.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 29/7/258 -
Glad to read the cleaner made it. I miss having one.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 #1244
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