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Wait til you get to my age 😂😂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.5 -
Life is going by so quickly I am sure if I lay down for a nap I will wake up 64!😂beanielou said:Wait til you get to my age 😂😂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)4 -
I remind myself, getting older is better than the alternative!
The trip ideas look good. You could do a lot in one year or stagger them. I’ve just been looking up Galicia - it looks beautiful and definitely something to be enjoyed at a slow pace. I like the idea of the pilgrim’s passport too.
MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest
Original MF date: October 2036 (£81,500)
Outstanding Jan 2021: £55070
Outstanding July 2025: £16597
EF 10000 / Savings toward neutral: £2600
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Oh I can’t afford to do them all! If only…ladysummerisle said:I remind myself, getting older is better than the alternative!
The trip ideas look good. You could do a lot in one year or stagger them. I’ve just been looking up Galicia - it looks beautiful and definitely something to be enjoyed at a slow pace. I like the idea of the pilgrim’s passport too.
money back from oct0p0ds today so £100 towards my holiday spends🎉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 -
Love the new trip pot.
Hope you are feeling betterAchieve 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 -
Much better thanks SH.
£50 nati0nw!de money received today so that’s off to holiday spending too - easy come, easy 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 -
No, no … not needed to pay off a debt or put food on the table. Instead, carefully swept off to making a dream come true 😊skint_spice said:Much better thanks SH.
£50 nati0nw!de money received today so that’s off to holiday spending too - easy come, easy go!
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.5 -
It’s not the retirement holidays KK just my regular holiday fund😂 showing my priorities here 😂 as I get older I want to make sure I have enough experiences in my memory bank to sit back and be content.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)5 -
Looooong day at work today (14 hours) but a few days off now🎉
I had three nsds in a row and only failed today because I bought myself and the person I was supporting a coffee. I just noticed on my spending bank account which is linked to savings I have rounded up 45 times saving £18.23! I was always sceptical of round ups but this is since February and I have hardly noticed it. Good result!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)4 -
I had a lovely day yesterday at a craft class with a friend possibly not a craft I would try again but there was a good mix of people and a fun day.
Today I have been shattered and haven’t done much at all. I have arranged a couple of mate dates for next week for long needed catch ups and did a bit of shopping. Sainsbos have their discount on clothing on so I treated myself to a scarf. Finally dyed my hair as the glitter was starting to take over!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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