Here’s where the story ends…

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Comments

  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK, hope you enjoy your meal tomorrow. I don’t mind paying for lunch or dinner out as much just thought it was a bit much for breakfast😂

    Hoping to run for the first time in ages tomorrow, I have had a cold for forever so hopefully it seems to be heading away at last.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,854 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry Skint - only just caught up on your diary again. Very behind on most diaries currently as my brain is working in fits and starts currently.

    That seaside photo was stunning but scary. 

    How lovely that you got to see the northern lights locally. That sounds amazing.  I'm currently watching fireworks for miles in front of me. Awesome.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £176.1K Equity 32.26%
    2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
    3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K 13/3/25
    6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)
  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The Northern Lights were lovely SH, I just wish I had more time to enjoy them but it was after bedtime and I am sleepy spice these days!

    I bit the bullet and joined a gym at the weekend 😱 so I reckon I need to go twice a week to make it worthwhile - must go tomorrow!

    It’s been a bit of a rubbish week so far work wise but a couple of days off now then back for the weekend, trying to focus on the positive rather than negatives.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just made an extra OP of £100, hoping I might manage a bit more before the end of the month but must stop spending…that said I’m off to get my nails done😂 it’s a planned spend though so not so bad.

    Plan for today is nails, gym, visit to DM and out to a film later with a friend so not a bad day at all.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 6,762 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 7 November 2024 at 1:14PM
    Yaay for the OP! 🥳🎉😊

    Hope the gym goes well. Is this an induction session? 

    Enjoy the rest of your day 😊

    KK
    As at 15.04.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 19 books of target 52 in 2025, as @ 24th April
    Produce tracker: £41 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. 
  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No just a visit KK, I was a member a while back but will book a training session soon I think. I didn’t get there in the end☺️ 
    Nails took a lot longer than anticipated as friend decided to try out something different then neither of us were keen so ended up taking it all off and starting again😂 now have very glam red nails.

    I ordered my first Christmas present, this is crazily early for me😂
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Oh well done on the gym, especially considering the cold dark nights usually have everyone cancelling at this point in the year for their duvet and tv (or was this just me 🙄🤣) 

    I made a start on the stocking fillers but haven't bought any big presents yet, now the kids are older I am not as excited about it as I used to be, the kids used to be on countdown from Halloween usually and now they're like, whatever....... :joy:
    MORTGAGE BALANCE January 1st £118,267.06

    Savings:-
    EF:-£1460.73 /3000
    MOP:- £562.23/ 1200
    Ski trip:- £300/1200
    Driving lessons:- £300/1200

    Debts 2025:-
    Car- PAID 🎉
    Carpet - PAID 🎉
    NSD April -14/15
  • savingholmes
    savingholmes Posts: 28,854 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on OP
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £176.1K Equity 32.26%
    2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
    3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K 13/3/25
    6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)
  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks SH. I thought I should send it over before I accidentally spent it!

    DFW321 my thinking is I can start next year in better health and shape. Also I am always scared to run when the ground is icy so at least I can do something indoors.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,254 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Was confused when mortgage app wasn’t anywhere near my overpayment app figure but then realised it will take a few days for the extra op to arrive 😅
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Feb 33

    Mortgage OP 2025 £4350/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £39,031

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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