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Prosperous soul in the making
Comments
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Thanks Jwil and Grogged. Really hoping I get a boost in sales from the free weekend. If I can rise up the rankings - makes me more likely to come up in someone's search for a book. I updated the UK categories successfully - but apparently each country has their own slightly different ones - so I need to go through each of theirs too! I'm just doing it a bit at a time. Need to work on my website as well as it's still not live...
Grogged - what was scariest - is that it took it going off for quite a while before we got up to check it out. DD didn't hear the alarm at all and DS assumed it was outside! Oops.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/264 -
Well done on the Amaz*n top 103 - must be really motivating. Glad you've bought the extra annual leave - the extra time you will have is worth every £. I can only buy 5 days extra but it has made a real difference this year - although a worldwide pandemic with no travel has certainly added to the feeling of having plenty of time at home this year 🤷♀️
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I can't stand hardwired alarms, had them in the last flat, the steam from cooking always set them off. Can tell when the one neighbour is cooking as theirs goes off. Maybe they are better in houses, but flats where everything runs off one hallway, it's too much having them in all rooms too.
Fantastic news about your book ranking, if there's a different link for the promotion let me know and I can circulate it again!
Buying extra holidays is a wonderful perk and reward for everything you've done over the last year.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Well last payment of the pay period. Now paid just over £118 - giving a revised total of £11999
Monday I get paid - and will clear the target CC
Then I'll struggle to do more - as banking codes having arrived for next target CCAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/265 -
Wow! Look how far that's come down!
That's a big positive for the current climate, the money saved has gone towards clearing the debt and doing your home.Mortgage started 2020, aiming to clear 31/12/2029.3 -
You're making headway now SH
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
Thanks MF and Lucielle.
Still awaiting banking codes for next target CC. Thrilled how far we've come financially so far this year. Revised balances:
Target (assuming all is well)
1 £438 - To be cleared Monday
2 £4558 - Goal to clear in March
3 £5548 - Goal to clear in May
4 £1455 - Goal to clear May/June
Currently being helped along by lockdown savings on fuel, eating out, cleaner, holidays, hairdresser etc - and Feb and Mar no Council Tax - and much stricter grocery budget!!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/266 -
That's an amazing debt reduction, and great plan for clearing the rest!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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Fantastic and very well deserved on both the book success and the CC paydown! X
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
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Today over 10 people have downloaded my book for free so far. If you are one of them - thank you. I got to number 1 in 3 categories of young adult fiction today - very excited!! If any of you haven't yet got my book or want to send it a friend - if you are a regular MSE poster - PM me and I'll give you the details.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/266
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