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Prosperous soul in the making
Comments
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Great news about the cat too, always so worrying!"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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Have some dancey emojis as I am now on the iPad! For the cat AND the mortgage! 💃 💃💃💃💃💃🎉 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/her3 -
Thanks Jwil and EH.
Love the flamenco dancer.
About to do balance class and will then see DS.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/254 -
Congrats on getting your offer and the Autumn colours on your picture look lovely. Yummy cake too. 🤗🤗🤗I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£120004 -
Echoing others - I'm so pleased for you. A big step towards your new world.
and isn't it lovely how many virtual friends are cheering you on and are all so happy for you.5 -
Thanks ES, Blackcats and FortuneBlackcats said:Echoing others - I'm so pleased for you. A big step towards your new world.
and isn't it lovely how many virtual friends are cheering you on and are all so happy for you.
Blackcats - I told MSE before my wider family - and only a couple of wider family have commented in contrast to here. So yeah I really appreciate the support.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/258 -
The trouble with family (& close friends too often) is they always have lots of expectations & it doesn't seem to occur to them that those expectations could possibly not happen & just take it for granted that they will. Maybe some of us are on here because we know that some of those things don't work out as we'd hope & feel more of a need to say "hey that's great news" when they do.
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Congratulations on the offer 🥳🥳Pennies starts again...........2022 - £13,579.224
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Amazing news, congrats xDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved5
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