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Prosperous soul in the making
Comments
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Sorry it is still tough. I hope the NT visit perks you up a little.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
rugbymadfamily said:Great news on the extra £400...I'm happy if I find a fiver when I put a pair of jeans on 😆girlatplay said:Great news about the £400.
Keep going!DancingInTheRain said:Sorry to hear you're still having a tough time, keep going though you'll get there xxIt’s just so amazing to look at your signature and see the starting figure at the beginning of the year and the current figure now. You have done phenomenally well and are so close to your debt free day. Well done!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
MovingForwards said:Just changed my settings to see what your balance is, that's come down well and soon it will be in the past.
Enjoy the NT visit!jwil said:Well done on the payments. Sorry things are still tough. Hope you enjoy your weekend xBlackcats said:another virtual friend wishing you well and sending congrats on the progress you've made on debt busting. I hope the sun shines for you (and all of us) and that the long weekend does you good.Chrystal said:Keep your chin up SH, you WILL get there. ((((hugs)))) XX
Just hard to keep perspective when you feel like you are walking through fire....
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
You might have timed your visit just right. The laburnum arch is expected to be in full bloom in the next few days.5
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I just looked it up, that looks lovely! One to visit in the future. We keep thinking of getting NT membership. Enjoy your visit."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 McGee4
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Thanks WelshKitty and Jwil. Due to be 16 degrees there with low chance of rain... Here's hoping.
Well my ultrasound was clear other than some fat in my liver - and my abnormally high liver function and iron levels have reduced since losing some weight and stopping the multi-vitamin I was taking... So that's some positive news.
DD is spreading her wings. She went on a bus with some friends to a city for an escape room experienced followed by pubs etc. She got home drunk at 1am via a lift from another parent... Proud and nervous of her confidence and risk taking all in one. DS has found an internship he plans to apply for and is actively looking for jobs. DH did about 7 hours overtime yesterday - much of its overnight - so we should get a financial boost from that at some point.
I feel so relieved at finding that £400 - I couldn't understand why there wasn't more £ available to put towards debt... It was very much a Doh! (Homer Simpson) moment!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/2510 -
I even got to see this big bird fly
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/2510 -
That's lovely - keep well - keep goingI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Very pretty and the arch path is inviting. Such beautiful colours, so much to take in, while also relaxing. Thanks for sharing your trip with us.Mortgage started 2020, aiming to clear 31/12/2029.5
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Beautiful photos SH. Lovely that DD and DS are spreading their wings and growing - scary for us parents"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga6
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