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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely picture!
    "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
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You're very talented with art and should continue to explore and develop it.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sandy, EH, Jwil and MF for the encouragement. I've spent some more time this evening playing with watercolour and trying to add texture. Will see how well it worked after it's dried. My counsellor has sent me a statement for my PIP. Still need to sort the one from my boss. Seeing her Wednesday now rather than tomorrow but will need to ensure it goes in that day's post.

    I had an early start today as had to take DD to work - but because it was so light it didn't feel anywhere near as bad as a few week's ago. The new weightloss tablets seem to be working their way through my system. Will be interesting to see how my body reacts and whether it does the trick. I've tried to eat less junk today.

    Unpacked and packed the dishwasher today - but in all honesty - only because my strategy of getting rid of many of the extras worked and forced me to do it as I'd run out!

    £co finally came through for insurance from last October and shoes from Xmas - so £70 Am voucher heading my way. Will use towards next payday's personal spends and reduce the pressure on my main bank account. Hopefully it will mean that I can pay more off the CC but need to play with my budget the way prices are shooting up...

    I never got the extra £20 I should have got from using a different website for one of my switches (it was extra to the main switching £ - a link to another site from here and then on again) - but no idea how to chase that up.
    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 29/7/25
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