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Here’s where the story ends…

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Comments

  • skint_spice
    skint_spice Posts: 13,023 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loving the house grid ... You need to also do a celebratory dance when you get to colour a square in - its the rule  :) 
    I also write the  date in the box so I can see when I coloured it in so you  can track your progress
    Oh that is a good idea, thank you! It will be good to look back at eventually.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jun 34

    Mortgage OP 2024 £6900/7000

    Mortgage balance: £45,863

    42 pay days until freedom!
  • savingholmes
    savingholmes Posts: 28,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love the house grid.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 232 payments to go - now £179,153 Equity 28.33%
    2) Spend on handyman, external building works & new patio door £13.6K
    3) CC £7.8K on 0% spends card offset by £31.3K savings (part EF, part future home improvement/large purchases)
    4) Mortgage neutral by June 2030 (AVC £13.6K + Lump Sums DB £4.6K + SiPP 1K) 19.2/£127.5K target 15.05% value at 15/10/24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.4K at 15/9/24
  • beanielou
    beanielou Posts: 92,853 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is just stunning. 
    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.
  • savingholmes
    savingholmes Posts: 28,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Beautiful. Thanks for sharing 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 232 payments to go - now £179,153 Equity 28.33%
    2) Spend on handyman, external building works & new patio door £13.6K
    3) CC £7.8K on 0% spends card offset by £31.3K savings (part EF, part future home improvement/large purchases)
    4) Mortgage neutral by June 2030 (AVC £13.6K + Lump Sums DB £4.6K + SiPP 1K) 19.2/£127.5K target 15.05% value at 15/10/24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.4K at 15/9/24
  • newgirly
    newgirly Posts: 9,119 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just spotted your new dairy and wanted to wish you luck, love the photos! 😊
    2022 MFW 67 - 33 month challenge to clear mortgage, currently month 19 🙂MFI3 No.12
  • debtfreewannabe321
    debtfreewannabe321 Posts: 8,127 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Went for a walk today and the weather was gorgeous, then came home and sat in the garden with the cat and a book. 
    Must not spend money unnecessarily so I can spend my summers this way…
    Oh wow that's beautiful! Is that close to where you live? How wonderful....I wish I were closer to the sea, it's a pretty long drive from ours so I rarely go.
    MORTGAGE BALANCE January 1st £99224.13 🤨 September 1st £120, 615.59 😬
    Emergency Fund goals:- £2924.91/3000
    MOP goals:- £85/ 1000 (before August '25)
    SnowBallFund:- £49.51/1300 (before March '25)

    New house, new jobs, new debts 😒
    Car- 0/12386
    Carpet -0/1500
    CC - 0/1792 Paid 🥳👏
    Car Ins- £434 Paid 🥳👏

  • teapot2
    teapot2 Posts: 3,356 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lovely pic, great incentive for money saving as you say 🌞🌊🏖
  • skint_spice
    skint_spice Posts: 13,023 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Went for a walk today and the weather was gorgeous, then came home and sat in the garden with the cat and a book. 
    Must not spend money unnecessarily so I can spend my summers this way…
    Oh wow that's beautiful! Is that close to where you live? How wonderful....I wish I were closer to the sea, it's a pretty long drive from ours so I rarely go.
    I can walk to the beach from mine, it’s about a mile and a half but this is a wee bit further away - about 30 minutes drive to a gorgeous country park and beach.
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jun 34

    Mortgage OP 2024 £6900/7000

    Mortgage balance: £45,863

    42 pay days until freedom!
  • skint_spice
    skint_spice Posts: 13,023 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I went for a run this morning and it was blowing a gale - my fault for bringing the garden furniture out of the hut yesterday 😂 then I had to wait in for a delivery. Off to see a film this evening with a friend at film club so I seem to have managed a NSD by accident! I really needed to go to the supermarket but never mind…
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Jun 34

    Mortgage OP 2024 £6900/7000

    Mortgage balance: £45,863

    42 pay days until freedom!
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