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Here’s where the story ends…
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Hope you recover quickly.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thanks SH I feel like it’s finally starting to lift.
It’s not been a great week, my wee cat died. She was my best pal and constant companion so feeling lost without her. But the upside of having this cold is that for the last week apart from work I spent all my time snuggling on the sofa with her.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Oh no …. I’m so sorry. They leave such a hole when they go don’t they. Sending you huge, warm, hugs x
Chloe sends purrs and leg rubs.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
So sorry that you lost your wee pal. They leave such an imprint on our hearts. 🤗🤗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 -
So sorry about your wee pal, they are part of the family 😻💔2
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Thats a great addition!skint_spice said:So I have added a quote that I saw in Gally Girl’s signature to mine as it’s something I really need to remember to stay on track!
and with that in mind I said no to a night out and yes to some extra overtime😂 I am not saying no to everything but feel I am already overextended in January with meals out! I will manage though 😎
Opened a m0nz0 account for holiday spending and managed not to spend anything on clothes despite being tempted😂
So sorry to hear re your cat.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 -
Got payslip for next week and finally my money is coming back to me!
Still coughing here but trying to plod on, had a big lunch arranged for tomorrow with ex colleagues but I pressed for cancellation as I thought it was bonkers. Luckily the guy organising saw my point and hopefully we can catch up next month. Called my dad to check he was ok and didn’t need anything and he said he wasn’t sure how bad it was going to be! Me - well buses and trains are off and most shops shut so please stay home! I asked if he had got the emergency message on his mobile as the noise scared the life out of me and he replied he thought he had heard something but thought it was the smoke alarm, his mobile was in his jacket pocket and he hadn’t looked🙄😂Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Glad your money is finally coming back to you.Have also cancelled lunch for tomorrow.I dident get the alert. Even though we are in the red area‼️‼️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 -
Stay home! all supermarkets and shops are closed too here until 6pmbeanielou said:Glad your money is finally coming back to you.Have also cancelled lunch for tomorrow.I dident get the alert. Even though we are in the red area‼️‼️Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
These storms are no fun. Hope you kept safe.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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