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Prosperous soul embraces creativity & mortgage neutrality
Comments
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It’s not just me then with British Gas. Their app is terrible.
Well done on the progress with the PIP. You must be nearly done and it’ll feel like such a relief when it is. Me and my sister and finally finished my mum’s attendance allowance form, it took ages. Just need to print and post it now.Debt Jan 2017 = £42kMay 2022 = £15k6 -
It must be such a relief to finish the form.5
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REmember to post tracked.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Pip definitely will grant extension if you contact them and explain you’ve been waiting for assistance xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,600/£5,0006 -
I used to do Pip forms for my relative. They concentrate on the worst aspects, so remember to factor in an uplifting treat.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Thanks boxofpaws, DIA, Beanie, MF, Alchemilla and Powers
Sis and I have finished the text of what we are going to add separately at the back. Tomorrow morning I need to put see attached for virtually every question - and fill in the first few questions about medication etc. I then need to make sure I include my supporting evidence from sis, counsellor, cleaner, prescriptions notes and a medical report - and then hopefully I am done. Will then just need to send it tracked as advised. I live close to a post office so that's good at least...
DIA - definitely lots of treats needed. Very hard to write as it focuses on a medical model of everything that is 'wrong' with you... Just have to hope it comes out in my favour. If it doesn't I will appeal but really hope I don't have to. I did do some art while waiting for my sister - and I'm pleased with it. All cheerful colours.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 29/7/258 -
Sent. Cost 7.60 for tracking. Really hope I get it after the mammoth effort.
Now in a pub for lunch. Then back to work.
Now I need to try and sort my regrade. As you can imagine it requires completely different headspace.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 29/7/259 -
Well done on eating that frog SH - fingers crossed for you 🤞
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living5 -
I'm glad you managed to post it off. Fingers crossed you get it!"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 McGee5
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Well done. You definitely deserve to treat yourselfDebt Jan 2017 = £42kMay 2022 = £15k5
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