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Here’s where the story ends…
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It was very windy today. Just about got blown over going to chair Pilates class even with two sticks.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.3 -
Sorry about the weather. Well done on the run though.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 231 payments to go - now £178.5K Equity 28.6% cf £250K purchase
2) Spend on handyman, external building works, patio door, hard landscaping, floor £25.3K
3) CC £20.8K on 0% spends card offset by £31.3K savings
4) Mortgage neutral by 06/2030 (AVC £15.1K + Lump Sums DB £4.6K + SiPP 1K) 20.6/£127.5K target 16.16% value at 15/11/24
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.5K at 15/9/242 -
The weather was worse today 😂 I drove up the coast a little and headed out for a walk. There was wind, rain and hailstones. Came home and tidied up and cleaned and I am ready for a restful weekend before heading back to work on Monday.
I have been very good diet wise despite my well meaning friend handing over some of my favourite chocolate treats last night😱 I did tell her about the time restricted eating but it didn’t seem as appealing at 10am this morning 😂Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!3 -
Weather here today has been all 4 seasons. Bah.I have had a Yorkie today!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.3 -
It’s savoury stuff for me … Cheesie doriotos tripped me up this evening! 😉
KKAs at 16.10.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
- OPs to mortgage = £7,173, Interest saved £2,658 to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 43 books of target 52 in 2024 (as @ 21st November)
Produce tracker: £200 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.2 -
I had beautiful sunshine around noon but it went quite windy later.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 231 payments to go - now £178.5K Equity 28.6% cf £250K purchase
2) Spend on handyman, external building works, patio door, hard landscaping, floor £25.3K
3) CC £20.8K on 0% spends card offset by £31.3K savings
4) Mortgage neutral by 06/2030 (AVC £15.1K + Lump Sums DB £4.6K + SiPP 1K) 20.6/£127.5K target 16.16% value at 15/11/24
5) FI Age 60 annual income target £13.7/30K 45.7%
6) SIPP £4.5K at 15/9/241 -
Wee meet up with El today for a walk and a coffee, cat was at vets so big vet bill which will wipe out most of April’s spending money😱 I really need to get on v!nted🙄
( I have money in savings and money in fun account but just don’t want to spend them so if anything I really want to do comes up there are still options)
Sound bath tonight so looking forward to that.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!2 -
Gorgeous picture - how lucky you are to be so near to the sea.. Mind you I was in Europe this weekend by the sea and it was cold and rainy -!!! Apparently much colder than normalDON'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#latest3 -
Boo to the vet bill.
Enjoy the sound bath. I love them.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.3 -
I have felt cold since last night LWAP after going to an art thing and thought I was coming down with something so was relieved to see the car thermometer was reading 4C!
Sound bath was lovely Beanie💗Mortgage End Date: Apr 36/Aiming for Apr 28/Current Mar 34
Mortgage OP 2024 £7700/7000
Mortgage balance: £44,740
41 pay days until freedom!3
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