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Here’s where the story ends…
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It is indeed Beanie but there’s no point getting stressed as the one person I was told to get in touch with ignored my email so it will get sorted when it gets sorted 🙄
it’s been a stressful few days most people we see are lovely but I had a run in with one who definitely wasn’t. It was verbal not physical but it does still knock you back a bit. Delighted to say my boss and colleagues were all super supportive. Anyhow onwards and upwards.
I was going to post something positive but I hit a pheasant today and still feeling guilty, it ran out in front of me when I was doing 50mph and being overtaken so nowhere to move. Just hope it was a speedy death.
Otherwise it was quite a good day😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
My DH once had a pheasant fly straight into his knee whilst on a motorbike at about 40mph. He had to go to hospital abd was in a brace for a few weeks ! He hated them after this and enjoyed eating them 🤣🤣🤣Sealed pot challenge 822
Jan - £176.66 :j2 -
What a nightmare! I do eat them but hope they die in a more humane manner than yesterday.dawnybabes said:My DH once had a pheasant fly straight into his knee whilst on a motorbike at about 40mph. He had to go to hospital abd was in a brace for a few weeks ! He hated them after this and enjoyed eating them 🤣🤣🤣
Taking the car in for it’s MOT today - positive thoughts 🙏Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Sending healthy, happy (non-pheasant!) car vibes …. ~~~~~~~~~🚙~~~~~~~~KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Positive energyI 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.1 -
All good thanks, passed with flying colours!
So less than 24 hours into my holiday I was asked if I could work tonight😂 hard no, my boss is lovely or she might have got something harsher! Nine more days off to go🎉Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Well done for standing your ground!Glad the car passed easily. Enjoy your time off 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Glad your car got through the MOT okay.
Well done on holding the boundary. Enjoy your break. Sounds well deserved as ever.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
The pheasant will have froze and it will have been quick ..
enjoy your break.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#latest2 -
I don’t know why I was worried about the MOT given that I had taken it to the same garage for a service a month or two before and they said the only issue were the tyres and I got those changed! Throw back to years ago and ancient cars I think.
Having a quiet day today, off to get my nails done later and might have a look for some Christmas presents.
Happy St Andrew’s Day 🏴🏴🏴Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2
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