We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous soul in the making
Comments
-
Love your list.
A regular massage is something I would love too
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) 25/0720256 -
I know things have been difficult for you and you're all working very hard but please don't take your eye off the ball when you're so close to the finishing line. YOU CAN DO THIS.
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 #1247 -
It's coming down each month and will be gone before summer, that's the main thing.
Hopefully things will be a little clearer in a few weeks for DD.
Eating will settle when everything is calm again, don't be so hard on yourself. Adding extra pressure isn't helping you.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Sorry to hear you're so stressed at the moment, hugs.
Well done Mr SH on making the payment, your DFD is getting so close now.
Wish you a calm & relaxing weekend x6 -
Thanks DIA, Lucielle, MF and Dancing
Massages... could do with one of those now..,
Going to make some art this weekend
Lucielle - I hear you - we should still hit June on current figures - but not my birthday in May which was my aspirational plan.
DH made me laugh yesterday and this morning. He bought me two beautiful bunches of multicoloured tulips and said he didn't want to be outdone by our son! Then this morning he says - that's for Mother's Day as well by the way - as knowing me I'll miss it...
I said you already missed it...
He said - Why is Mother's Day coming up on all my messages then?
That's the American one....
Bless. He tried...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 10/10/2511 -
Waves at Busy_Mee - sorry I realise I'd missed your post. You seem to be edging towards retirement and full financial freedom. Sounds amazing.
Yesterday DH and I took doggy for a walk around a formal park. A lot of trees were in flower and there were tulips galore so that did me good. Had a better day today. Finished at a sensible time which helped - although I did work yesterday!! I worked on something different today - and a change really was as good as a rest. A colleague I'm close to came back from leave which also helped as I had a really good chat with her. Today I've watered the garden too - and I have some leeks I could probably pull up. I also have White Astilbe in flower, grape hyacinth, skimmia, daffodils, tulips, a purple azalea, fruit trees... All looking blooming marvellous. I am ignoring all weeds or areas that still need work LOL.
DD got a surprise request for an apprentice interview and assessment tomorrow morning - so she'll probably need my help setting her up on a computer etc. I may need to check the computer this evening as I'm not sure I remember the password for the one with the webcam as its an old one from work that I rarely use. I also need to buy her a new interview top - as the only one she has suitable for 'work' she wore on an earlier video interview. (They originally turned her down but gave her positive feedback).
I need to update my money.... and see what's been going on and try and rein in my spending... Just moved some move between accounts as barely stayed out of overdraft despite having money elsewhere as I'd taken my eye off the ball. Lots of bills all coming in at once - web hosting... which I had planned to cancel - they've already taken... etc I just don't have the energy to deal with that. Home insurance bill also due - gone up £20 compared to last year - but at £140 doesn't seem bad... so may just go with it.
Hope you're all getting out in the sunshine...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 10/10/257 -
They're not weeds, just flowers in the wrong place 😉
You're sounding a bit perkier, which is good to see.
Does DD have a cardigan or necklace she could put on, saves buying a new top and her outfit would look different, if they even remembered what she wore last time. Fingers crossed it goes well for her.
That's not bad for home insurance, but worth a call to see if they will do it cheaper.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Your garden sounds lovely. I hope things settle down for you soon.
Hope you enjoyed your American Mother's Day
"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 McGee3 -
I hope DD interview went well and that she gets some certainty about post exam 6th form.5
-
Glad you are feeling a bit better SH. One step at a time "Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards