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Prosperous soul in the making
Comments
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It's so frustrating having to wait so long for your mortgage offer but it sounds like it's just a matter of time til you get it.
colouring is lovely - you have a great eye for colour.
perfect weather for nutritious home made soup.
5 -
Thanks Blackcats. Really enjoying the latest fairy series I bought and one of my sisters gave me new pens
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Well I've been fantasising for a few days now about making orange loaf cake. I woke early so as soon as Ex went to work, I got up and made 2 orange loaf cakes. In further prioritising of self care - I plan to start my day with soup and a walk. Kickstarting my day with exercise and fibre, the dog should then be more tired and I can then focus on my work.
I'm going to start the will process today too. (c£100 following link from here)
I have had a couple of NSDs this week. Progress.
So last month I set myself a goal of saving £300 which I hit. This month I am hoping my divorce legal bill will be £500 or less. If it is - and assuming my car passes its mot without any issues - I hope to save £700 this month towards paying off Ex's equity etc.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
That sort of prioritising of self care sounds absolutely ideal. Right throughout the lockdown we started pretty much every weekday with a walk - it was really nice to get out, see the area as it changed through the seasons, and have a bit of time for a chat before the usual daily "stuff" got in the way. I'm missing it now, and will look forward to Friday mornings when while MrEH is still WFH it will still be able to happen!
There shouldn't be that much paperwork to do for a re-mortgage/TofE once it passes into the legal phase - the actual registration of the TofE might take a while though but that shouldn't affect anything else much - the Land Registry have got a proper backlog running at the moment though.🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Thanks EH. The walk lifted my spirits especially watching my dog chase squirrels and the autumn colours
Feel very lucky having such a beautiful park nearby
The cake is yummy too
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Imagine me singing
I JUST GOT MY OFFER!!!!!!
Where are those blue dancing emojis? This will have to do instead! Woohoo!!!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/2510 -
Yay fantastic news!!5
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Fantastic news!
Can you send some cake to North Wales please? Looks delicious.5 -
Woo Hoo! Brilliant news - all systems go then!
That cake, too...! Yum!🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Excellent news
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
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