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Here’s where the story ends…
Comments
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Patience. 🤗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.3 -
Word of the day! Just spent a very long time on hold to sort my tax out, lovely woman has hopefully got it sorted now so expecting some tax back soon and the correct rate to be paid soon.beanielou said:Patience. 🤗Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!4 -
That’s good then.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.3 -
Tax back is always nice. Be good when they sort it.
I bet it is scary knowing you've made an OP and then it not being visible.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 231 payments to go - now £178.5K Equity 28.6% cf £250K purchase
2) Spend on handyman, external building works, patio door, hard landscaping, floor £25.3K
3) CC £20.8K on 0% spends card offset by £31.3K savings
4) Mortgage neutral by 06/2030 (AVC £15.1K + Lump Sums DB £4.6K + SiPP 1K) 20.6/£127.5K target 16.16% value at 15/11/24
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.5K at 15/9/242 -
Your OPs are great and well done in joining the gym, indoor workouts easier this time of year.
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 -
Thank you both, I really hope it is sorted this month, in addition to that I have about 50 hours overtime and probably 20ish in training, hopefully a decent wage for Christmas.
In other news I just found a certificate I needed for work which is a relief 😂
I’m shattered today, an early night sounds a good plan.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!2 -
Blumey. That’s a LOT of extra hours.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.3 -
Welcome to life in social care…beanielou said:Blumey. That’s a LOT of extra hours.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!3 -
So glad I have my care through direct payment.skint_spice said:
Welcome to life in social care…beanielou said:Blumey. That’s a LOT of extra hours.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 -
Wee payout from pr0lific of about £9.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!4
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