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Prosperous soul in the making

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Comments

  • jwil
    jwil Posts: 23,316 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • EssexHebridean
    EssexHebridean Posts: 25,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,263 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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.
    Save £12k in 2026 Challenge £12000/£2000
    365 day 1p Challenge 2026 £667.95/£165
    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
  • Lookafterthepennies2020
    Lookafterthepennies2020 Posts: 473 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    Congratulations on the offer 🥳🥳
    Pennies starts again...........2022 - £13,579.22  



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