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Prosperous soul in the making

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Comments

  • Fortune_Smiles
    Fortune_Smiles Posts: 5,148 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That's amazing progress SH - you should be very proud of yourself.  There will always be other mountains to move and you'll be able to move them - just one small stone at a time eh.

    Fortune x

  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    It's really hard to try and fit everything in, especially when working full-time and having a family. Keep an eye on the future, but maintain the present. Perhaps when DF that energy can go into something else.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,234 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    The photos are life affirming aren't they?  Lovely.  I always feel better when I see pink apple blossom on the trees.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • doingitanyway
    doingitanyway Posts: 10,355 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks for the pictures. So uplifting.
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Looks like a beautiful walk SH.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    What is DD, DH, DS abbreviations?
    daughter, Husband, son?
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    25 books downloaded this weekend. Just hope I get some positive reviews now too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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