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Here’s where the story ends…
Comments
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Glad you enjoyed 💜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 -
Glad the sound bath was enjoyable. Have a lovely day today too.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 -
Work has been crazy busy this week, so I’m glad I have the weekend off🎉
Plans are mainly cleaning and tidying… I have had a few unexpected expenses so April shall be a quiet month! Bank balance is looking very healthy but will dwindle quickly, I may even have to dip into savings as I left it too late to change my mortgage OP but I will sort it out next month. Swings and roundabouts…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!5 -
Enjoy your weekend.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.4 -
It’s been nice to see the sun! Washing has been caught up with and dried outside.
Today I had a lovely walk which burnt off at least some of the chocolate 🙄
There was a lovely sunset tonight as I was coming home from my parents, Hope that’s a good sign for tomorrow’s weather.
This weekend I have been contemplating dropping a day at work but this would mean having to work more years…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 -
How many more years? It's not a bad idea as far as life balance goes.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 -
2 years Beanie. 59 if I keep going or 61 if I go down to 3 daysbeanielou said:How many more years? It's not a bad idea as far as life balance goes.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 -
Food for thought.skint_spice said:
2 years Beanie. 59 if I keep going or 61 if I go down to 3 daysbeanielou said:How many more years? It's not a bad idea as far as life balance goes.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 is Beanie. There are pros and cons for
both.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!5 -
@skint_spice what a fab first OP on this diary!
Where you live looks incredibly beautiful, what a lovely place to explore. We have three dogs and an indoor guinea pig, I am often found to be exclaiming 'this is why we can't have nice things!', though I would not have it any other way.
It is definitely worth a thought about decreasing hours, I do love a good pros and cons list! I look forward to following your journey
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