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Next steps; grip-relaxing bimbling, and avoiding the temptations

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Comments

  • Watty1
    Watty1 Posts: 8,264 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a lovely catch up.  Enjoy the day.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Suffolk_lass
    Suffolk_lass Posts: 11,122 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh and thanks @Spendywendywoo - good to see you back posting again!
    Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • Makingabobor2
    Makingabobor2 Posts: 4,770 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Gosh you have been busy
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,544....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £750/3000
    .

    Studies/surveys May...£258.39

    Decluttering items 1400/
    2025.  306/2026
    Books read    23 in 2025.  2026- 13  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • foxgloves
    foxgloves Posts: 13,360 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    How very odd not to have included all those serious details in Mr SL's hospital letter. 
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • EssexHebridean
    EssexHebridean Posts: 25,980 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s appalling of the hospital SL. You have probably already thought of it but that letter to the consultant copied to the hospital PALS group might be a plan. Imagine if the surgery had been left that in the dark, which with someone less proactive they may well have been! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • rtandon27
    rtandon27 Posts: 6,762 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    SL - the omission from the report is negligence, no two ways about it.  Please do write a letter of complaint and have a copy kept on Mr SL's medical file with his doctor.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)
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