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Prosperous soul in the making
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£75 off debt todayAchieve 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 -
Those photos are great, shows the natural beauty. It's no surprise you felt the benefit.
All helps clear it and another step closer to DFD!Mortgage started 2020, aiming to clear 31/12/2029.5 -
The photos of Bodnant are beautiful. It must have lifted your spirit, but like Hugglemonster, I've never been. Closest I've got is Ysbyty Glan Clwyd!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 Park6 -
Photos are lovely! Sounds like a well spent day off :-DCurrent mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
Emergency Fund Target: 3 months saved ✅
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Glad you had a nice day off. The photos are lovely!"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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What a beautiful garden. Glad you enjoyed your time there.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 -
Thanks MF, Tahlullah, Rugby, Jwil and DIA
Well the thing I was dreading has been and gone. It will take a few months to find out what happens next so for now I have to just try to get on as normal.
I have today off so thinking of going out somewhere to eat alone... crave alone time after so much time with 4 adults in the house.... and possibly go to an NT property... find another garden to explore - another where I've been before and already know i like it...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 29/7/258 -
If you can make it as far as Bodnant then there's always Penrhyn which is a bit further but totally worth it. I haven't been anywhere NT for ages. I stopped my membership when the teenager stopped wanting to vist them. I liked Erddig too but wished it was allowed to see more inside the house itself.6
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I went to Penrhyn on honeymoon years ago - maybe one time since. I agree it would be nice to go there. May take a day off next week and go a bit further afield - I just don't want to deal with too much Friday traffic. I am on a go slow today too... Still not dressed...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 29/7/257 -
Have you ever noticed that when you have so much beauty on your doorstep, you never go and visit it? I've never been to Penrhyn either. I really must pull my finger out.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 Park7
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