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Prosperous soul in the making
Comments
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Fingers crossed for DDs test
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 #1244 -
Change of scenery and getting into a routine will help you.
Food looks good, nice and varied to keep it interesting.
Everything is crossed for DD!Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks MF and Lucielle. She passed!! So pleased for her. DS is starting his new job tomorrow but unclear if it is all commission based or some basic as their story keeps changing.
I get paid tomorrow so can then clear more debtAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/255 -
Well done to your DD!4
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Congratulations DD!
Hopefully it will become clear with DS' role.
If you've got a nice day, take a brew outside and sit looking at what's around.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks WelshKitty ay MFSat in a pub/orangery. Just ate out after work by myself. Journalling and just plotting out different futures with related pros and cons. DH is out visiting family.
Our cleaner has been and I washed the bedding today so should return to a clean and tidy home. Still on reduced hours. Exhausted... Debating asking for Friday off.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/256 -
Congrats to DD! Hope DS's first day goes well."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 McGee2
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Oh I love cleaner day! Not much better than going home knowing everything will just be nice and clean and fresh bedding to sleep in tonight!Current 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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Congratulations to DD 🎉Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Pressed post by accident there.
...and hope DS gets on okay tomorrow.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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