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Annoying on the parking ticket.
Your cat looks very intense.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 -
Oh my word … he’s stunning! 🤩 ❤️
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 -
He’s actually the most chilled cat on the planet😂savingholmes said:Annoying on the parking ticket.
Your cat looks very intense.
I am currently being stalked by a wee kitten, not sure if it lives nearby but it keeps appearing and then running if I get too close. I hope it has a home nearby as it’s quite tiny.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 -
Managing to get back on track with my eating and cold seems to be shifting so hopefully I can get back to the gym this week.
Had an early finish today and a visit from DS who was yawning his head off - I sent him for a nap before he went to his second job, we can catch up later!
Saw friend last night which was nice but was later to bed then had an early start so wiped out today, it is however my second NSD in a row, I might manage a third tomorrow, I will try my best!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)3 -
What an adorable pussycat 🐈🐈Sealed pot challenge 822
Jan - £176.66 :j2 -
Thanks dawnybabes!
So I seem to have booked myself a couple of days away for next month, looking forward to getting up north for the first time in ages. Must attempt to claw the money back for it😂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 -
So so cute !!!skint_spice said:
Here is the handsome chap KK, he’s nine months old and huge!
Thanks IDOP I find the sea very calming too, it’s a great place to walk.I love Bengals but your grandkitty is gorgeous
No also to the parking ticketDON'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 -
He is a handsome boy LWAP!
So after saying that I was going for a NSD today I booked that break and have also re jigged my budget to allow more holidays and house improvements. Must go update my signature accordingly. MOPs will go down but I feel I want more balance.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 -
I feel this is turning into a spending diary - just booked myself a few days away in Italy in May😂
I have heard too much about early deaths and illnesses lately and feel I need to see places while I can. Life is for living…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)5 -
I'm sure Italy will be beautiful. Life is for living. It can't be all about £. £ is a tool.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
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