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Prosperous soul in the making
Comments
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My colouring... Helps de-stressAchieve 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 10/10/258 -
Looks great! I didn't know colouring postcards were a thing, I might have a look."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 McGee5
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Colouring looks great, I also wasn't aware there were cards. Keep doing what you are as de-stressing is a high priority at the moment.Mortgage started 2020, aiming to clear 31/12/2029.5
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I can see how that would help reduce stress, and so useful. Are there Christmas ones available? That would be great for sending personalised wishes to those you care about.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 -
Hi Jwil, MF and Tahlullah
There are lots of different options on Ama***. I have oceans, forests, architect ones, fairies, birds, mermaids. All good fun and easily portable. I use brush pens to get the effects I want and sometimes use water brushes so it looks more like watercolours...
I do use them as thank you, birthday and encouragement cards. Good personal touch.
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 -
I walked the dog or rather sat on a bench and watched her chase squirrels.
Also batch cooked including a huge pot of soup.
Used potatoes, 4 carrots, one parsnip, large onion, tin of tomatoes, tin of baked beans, Mr A cream of tomato soup tin, squirt of tomato puree, some worcestershire sauce, salt, garlic, Cajun, turmeric, cayenne pepper, allspice, celery, one leek, water
Really happy with it. Also made a couple of pasta dishes.
Did the washing. Did the dishwasher.
Other than that rested...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 10/10/259 -
I'm batch cooking soup for the week too
I bought leeks, carrots, potatoes and onions yesterday to make a soup for the week (but its all still sat in the fridge so I need to make it this morning). Sometimes you just need a rest. "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/yoga7 -
Delurking to say I have read all your diary in the last 7 days , what a journey you have been on. I wish you nothing but luck and happiness in the next phase of your life. Hoping the mortgage offer comes through soon.Life is an adventure, never stop exploring.7
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I need to get back to a bit more batch cooking but before that I need to actually make some space in the freezer - so well and truly with you on opoeration lower-the-grocery-spend! The colouring is lovely - I love doing stuff like that but at the moment would need to get my glasses sorted out first I think - close-up stuff is not my friend right now!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Popped in to say 'hello' and Wow! you've had a turbulent few months, glad life seems to have settled for you a bit now. Can't believe how long the mortgage is taking, they can be so awkward when they want to be...DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6
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