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Prosperous soul embraces creativity & mortgage neutrality
Comments
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A bench and a lighthouse. Wow!
On a general note it is great that things are coming together for you.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Your trip sounds phenomenal, hope you've had a great time.Mortgage started 2020, aiming to clear 31/12/2029.5
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DR calls them fleece cars. It was funny to think of a floppy one that goes in the TD though.5
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Yes Alchemilla I got the phrase from DR. Thanks Blackcats, Beanie, Boxofpaws and anyone I missed...
I went on an unintended mystery tour adding a lot of miles to my route and needing help that I will list on my PIp. However, while the lighthouse I found was dull,
after missing various turns I ended up on city centre waterfront as the sunset and it was stunning.
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 10/10/258 -
Waves at DIA and MF
In comparison this was the lighthouse
Unfortunately it was on an industrial estate and near a very smelly recycling plantAchieve 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 -
Super photos x
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I'm glad the GP was good.
It's a good plan for DD to go on the CT at ex-MIL's.
Also good if DD can get ex's car.
Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Magical mystery tours are fun as you never know what you'll see.
Photos are fantastic.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Great photos. Shame about the lighthouse
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 #1245 -
Great photos and good news on the GP visit etc."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 McGee4
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