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Beating Lifestyle Inflation and Staying Mortgage Free!
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Oh, and spending £7 on a daily planner that you are using and really feeling the benefit of is not lifestyle inflation! Please don't beat yourself up so much for spending money on yourself every now and again - it's a cliché, but you are worth it!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Hope you managed to find a consultant and everything is ok x3
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What Rainbow said - hope all is good EG x🎉 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/her3 -
Hello all
thought I'd better come back and do an update, reminded by courgette 👋 ❤️
So my health is much better but still ongoing concerns and I am apparently imminently getting scanned to see what's causing the problems. Doctor still feels it's better to do it this way rather than in snd out of private/nhs for scans and diagnosis.
it's made me take a good long look at how my life is set up. Very morbid, but what if I was told I had something that limits life? What if im told I have to take it much, much easier? Also I had another birthday, and that always makes me reassess a bit too.So I've really changed things! I probably have written about it before, but I've been working in a hard but balanced manner on a few projects.I've written a book for my first specialism, I'm doing the same for my second adolescent anxiety work. I'm making video courses up too, possibly apps and generally trying to make more of my work and income more automated.I'm also learning a lot more about handwriting and teaching /improving this. I spent a lot of money on occ therapy for ds2 which I think was worth it, but I feel this could be made more accessible and fun, so that's also an ongoing project that may result in some products.This is so I can spend more time relaxing, doing interesting things, bringing up the children the way I want to, and making memories.It's going well but im putting the hours in when I can at the moment and then really enjoying relaxing. My reading pile is going down and I'm enjoying my wild swimming and yoga and exercise classes too.😆 just realised none of that is to do with money! I suppose it is because if I can create products that are not just me teaching then I can generate income this way.I'm going to try to catch up with some diaries this week when I can!Save £20,000 in 2025. April 2k, May 3.5k6 -
Lovely to see you back, and so pleased you're getting things sorted. I think I'd be reassessing the same as you too - what you're doing sounds eminently sensible to me. All fingers and toes crossed for an easy fix for you xx5
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Glad you are okay and progressing through the lists at least.
New products sound interesting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Thanks!
I have been to see a couple of doctors including a neurologist in the NhS- fantastic! Although worrying that they think I'm that urgent. Anyway im waiting on a MRI scan.In the meantime, I've cut out alcohol dairy and refined sugar, and I've almost completed a yoga course designed to calm down a frazzled nervous system - just on YouTube. It has been great, I'd like to keep going with yoga. I really think that this and the food changes have worked well.In money news, I'm switching me and one child to the L sim offer- that will save us £12/month.
Ive cancelled a magazine subscription that ds2 is not as keen on reading now.I've done a big stock up on non perishable items to see if I can save a little when prices start to rise even more (£100 in Lidl). Loo roll, pasta, rice, tea etc.I'm driving my car as economically as I can, and I've sorted lift shares twice a week for kids transport to clubs.We are all loving the hot weather and having a mini holiday at home. Meeting my wild swimming friends later when it's cooler.Airbnb has been profitable with our room rented out at the weekends.
Kids uniforms sorted (cost about £250 including school shoes for both boys as one moving up to secondary and they seem to have the school logo on quite a few items). We have loads of stationary so they are organising pencil cases themselves.My veg garden was a bit rubbish this year, I've started prep for next year and I'll have to see if I can make it more productive!Save £20,000 in 2025. April 2k, May 3.5k4 -
All sounding good there. Glad [EDIT: you're] being seen to quickly, and I hope it turns out to be something straightforward and easy to sort out. Good news on the air bnb room and the self-organising pencil cases too! 😁4
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I really dislike the current school uniform actions. School uniform used to be about getting all pupils wearing basically the same. So it didn't matter if you bought from M&S or Aldi et al. Now it seems to be about stopping people from coming because their parents can't afford designer wear. So much for levelling up!
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Glad you have seen a neurologist etc. Good luck with the MRI scan too.
Glad you have extra £ coming in.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253
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