+++ Whoops! Here comes the cheese! +++



  • redofromstart
    redofromstart Posts: 4,133 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 13 January at 7:55PM
    Mr Fluffy Trousers was born not breathing, and was resuscitated by (cat intolerant) mr redo. He hasn't got two brain cells to rub together and not a scrap of bad in his system (the cat, not mr redo).
  • Seasidegal58
    Seasidegal58 Posts: 5,677 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • greenbee
    greenbee Posts: 16,094 Forumite
    Name Dropper Photogenic First Anniversary First Post
    I thought all ginger cats shared one brain cell between the global population anyway? 
  • beanielou
    beanielou Posts: 90,067 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Happy shiny new diary  :)
    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.
  • CCW007
    CCW007 Posts: 828 Forumite
    First Anniversary First Post Name Dropper
    He hasn't got two brain cells to rub together and not a scrap of bad in his system (the cat, not mr redo).
    Newbie to your diary, this made me properly belly laugh!  Subscribing 🙂
  • Hi Redo! Popping by to say hello 👋 and I've subscribed for the journey if that's okay 😁 DFW321 ❤️
    2024 Mortgage-free wannabe #17
    OP straight to mortgage - APRIL £277.55 / 206.88
    MOP savings account 1200 / 3000 to be paid later this year
    Mortgage balance Jan 1st 2024 £99224.13 Feb 1st £98,833.72 Mar 1st £98,928.18
    Apr 1st £97,646.20
    Emergency fund £1255.78/ 1500 84%
    Food Budget - JAN 484.44/500, FEB 488.59/500, MAR 439.33/500, APR 531.34/500 -OOPS
  • KajiKita
    KajiKita Posts: 3,584 Forumite
    First Anniversary First Post Name Dropper Photogenic
    I have tried to use the 'Financial Independence Retire Early' type sites for MSE motivation but failed as I find most of them very annoying - they seem to base everything on having enormous savings to live off the interest, and major self awareness failings about how much simpler this is if you start your career in the US tech boom being paid insane money at 23  (as well as irony failure on claiming to be living a simple and virtuous life while funded by thoroughly unethical investments).  I was delighted to find that the financial advisor I met for help with a pension transfer suggested figuring out what I wanted and working from there - since my answer is along the lines of that quote on 'if you have a garden and a library you have everything you need' apparently my figures look very different to a lot of his clients!  :)
    Thank you, thank you, thank you! I thought it was me that was the problem here!

    As at 17.03.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £255,571, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 12 books of target 52 in 2024 (as @ 9th April)
    Produce tracker: £10.90 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • redofromstart
    redofromstart Posts: 4,133 Forumite
    First Anniversary Photogenic Name Dropper First Post
    @greenbee my Tim Nice But Dim friend was absolutely at the back of the queue when they handed out the braincell. He is very lovely but very dim.
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