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Prosperous soul in the making
Comments
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Thanks all. Had a great day seeing wider family. Safe home by again nAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/265 -
Good to see you. We missed you for a couple of days. Pleased you had a nice day. Sleep well.3
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That's wonderful, hopefully it's provided some inner strength to get through until the next visit.Mortgage started 2020, aiming to clear 31/12/2029.3
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Glad you had a nice family Christmas.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
Thanks MF, DIA and Blackcats. Yes, felt I lost myself for a bit. Better now.
Really happy today as I final sorted my bank details for future Am**** royalties and sorted my US tax status ready for being paid. Now working through an extremely long checklist to get my book uploaded. I have been awake at stupid o'clock and then napped to compensate - so getting through. I had fresh fruit salad for breakfast/lunch. For tea I made us 4 a lovely Christmas dinner all our own and then sat down to write what I planned to be a short story. 1600 words later - that my DH and DS even like - I feel I have started another fantasy book. Hopefully I can alternate between the activities needed to publish my current book - and writing this new one. It feels very fresh and is more of a historical teen fantasy rather than urban fantasy of my previous one.
Money-wise I'm all caught up. We are doing really well I think. Last December we paid off about £300 in total - whereas this month I think it will be close to £1450 which feels like a miracle in itself. Especially given that Christmas is already paid for and our emergency fund of over £1K is intact despite lending DD £ for her IPAD. It does feel good not borrowing from my future self. I've written a tight plan for getting debt free come June - or hopefully May. I am also looking into options for passive income streams - particularly if I am getting my business up and running - the more the merrier. I am determined to find a way to replace at least my income - preferably DH's as well - so that we then have more freedom over where we can live and a better chance of affording a place with land.
My favourite xmas present were sets of lights for our back garden. Need to work out where best to place them but exciting and should help open the space for use more months of the year and longer into the evening.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/269 -
I paid another £100 off our target CC taking it down to £3.5K. Getting there.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/266 -
Great to hear that you're feeling better.
XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy3 -
That sounds a really productive step forward sorting out bank details and preparing to upload - really exciting! My friend IRL has written and published 4 or 5 books for the teen market through Amazon and has found that the US download sales have been good.
Well done on formulating a plan for getting debt free.paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.173 -
well done SH - glad you had a productive break, and what sounds like a great start to an exciting year for youI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
I'm glad to hear things are brighter for you.
Debts are going in the right direction and another step closer to an alternative income stream with your new book 🤗Mortgage started 2020, aiming to clear 31/12/2029.5
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