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Often said after Christmas holidays South coast!South_coast said:That was a new one on me (am a long way from Scotland 😅), however having Googled it I love it!
Heading to the big city to meet a friend for food then we are off to a carol concert. Might have a look for a few presents if there is time.Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Yesterday turned out to be a bit spendy considering we were off to a free concert! Never mind it was good to catch up.
Today is a NSD and even got an extra £13 from vinted and tcb combined so it’s off to replenish the bills account which has been hit hard lately.Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Hope the heating got sorted?
Merry Xmas and Happy New Year if I don't catch you again before.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/261 -
Heating is working, thankfully!savingholmes said:Hope the heating got sorted?
Merry Xmas and Happy New Year if I don't catch you again before.
Merry Christmas and a happy new year to you too SH, hope you do well in your new endeavours xMortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Finally starting to feel a little better and managed to meet a friend in the city for lunch today, it was good to get out. Very disorganised for Christmas here due to the whole feeling crap ness.
Haven’t done much of late apart from research my family tree as that’s doable from the sofa😂
Oh and although I resisted clothes shopping today I did spend a ridiculous amount on teas😂
Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Teas are very low calorie are they not …? 🤔😉
I’m glad you’re surfacing a bit. It’s a naff time of year to have crapness, very dragging. Christmas will be whatever you decide to make of it - I hope your main present is that you continue to recover 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Feel much 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.2 -
Still coughing…
OK plans for the year are:
OP £2000
New boiler
Make £50 extra a month (I do make way more than this in OT each month but from decluttering and surveys etc)
Create a garden, hoping to have something pretty to look at without spending too much.Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Still coughing here too … boring innit! 🤷♀️🙄
Good plans for the year 😊 Looking forward to hearing how you go about the garden 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
The coughing is becoming extremely boring! I think if it hasn’t shifted next week I might have to go see a doctor.KajiKita said:Still coughing here too … boring innit! 🤷♀️🙄
Good plans for the year 😊 Looking forward to hearing how you go about the garden 😊
KK
I have just ordered a couple of raised beds🎉Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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