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Prosperous soul embraces creativity & mortgage neutrality
Comments
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I was on the other side of that water last weekend SH , it looked splendid viewed from over there . Fab photos by the way. Great to hear you are getting to grips with the pip form and getting everything together .Life is an adventure, never stop exploring.5
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Thanks @Sunshine_girl2 Alchemilla, Jwil, MF, Lucielle and GAP.
Had a nice day. Spent quite a few hours making art and trying new techniques. Also fit in a walk and made a roast dinner for me and DD.
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 10/10/2512 -
Love the photos savingholmes, and your beautiful robin."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga6 -
Cracking photos - shame about a disappointing lighthouse!🎉 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/her5 -
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 McGee3
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You're very talented with art and should continue to explore and develop it.Mortgage started 2020, aiming to clear 31/12/2029.4
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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 £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 10/10/254 -
Please let us know how you get on with the weighloss tablets. Are they the same as the ones that take the fat out of what you are eating or are they something new? I've heard if you don't eat anything with fat in they can make you feel quite ill, although this sounds like something new.
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They are @badmemory - these take 1/3 of the fat from what you eat... It says don't take them if you have a meal without fat in it. I also get the impression that if you eat too much fat - you can get very unwanted side effects.... ie. need to run to the loo etc.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 10/10/256 -
Well that sounds interesting!! Though I'm not sure interesting is quite the word I mean. Hope it works nicely for you!
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