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Watty's Awakening

18687899192367

Comments

  • beanielou
    beanielou Posts: 97,017 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well.
    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.
  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice win. 

    Hope the dental trip isn't too bad. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
  • KajiKita
    KajiKita Posts: 8,668 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good luck with the dentist today. Will be thinking of you. 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • Slinky
    Slinky Posts: 11,295 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 4 July 2024 at 6:01PM
    Sorry to hear about your tooth Watty, but it certainly sounds as though another opinion would be worthwhile to help you decide one way or the other. Well done on not pushing ahead just because you had an appointment booked.

    When he said that the work could last decades, I had to say I was a bit doubtful at that point. It's so easy for an infection to set in at a weak spot in the body and you'd have to think a filled root always has potential to cause trouble.

    I hope that the pain eases soon and you get to the root (bad pun, groan) of the problem.
    Make £2025 in 2025
    Prolific £841.95, Octopoints £6.64, TCB £456.58, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £60, Shopmium £52.74, Everup £95.64 Zopa CB £30
    Total (1/11/25) £1954.45/£2025 96%

    Make £2024 in 2024
    Prolific £907.37, Chase Int £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus ref £50, Octopoints £70.46, TCB £112.03, Shopmium £3, Iceland £4, Ipsos £20, Misc Sales £55.44
    Total £1410/£2024 70%

    Make £2023 in 2023 Total: £2606.33/£2023 128.8%




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