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Prosperous soul embraces creativity & mortgage neutrality
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@savingholmes congrats on getting it done. I hope you had roast peacock and vintage champagne for lunch? No more than your due! Onwards and upwards love Humdinger xx6
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We’ll done SH, definitely a 🍏🍏🍏 for youMFW 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 -
Thanks FS, jwil, boxofpaws and @Humdinger1
Definitely champagne all the way.... maybe not... don't drinkBut definitely tasty meal, fave soft drink and then work with hazelnut chocolate and coffee by way of desert. I'm behind on my flexi again currently though so need to make some time up by the end of the month.
Just to illustrate my difficulties though - I went to the PO and bumped into a lady - turned and apologised - knocked something off a shelf - apologised again... Luckily she was fine but not everyone is... I then went ate with ear defenders on. Luckily they've
introduced a secret scheme where locals get 20% off so that was nice.
Finished off regrade doc. I started it ages ago and paused it - and thankfully there wasn't as much left to do on it as I thought. Can only try. Trying not to have all my eggs in one basket.
I've been doing some art this week as light relief and it has definitely helped - including doing some collage type pieces and trying liquid masking fluid for the first time.
Have fun all.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 29/7/2511 -
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 29/7/255 -
Great news on getting the form in. Hope you’ve something nice planned for the weekend.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 -
Glad that's done.
Assessment nextI 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.5 -
Well done for getting the form sent off and finishing your regrade request. Fingers crossed they both go through quickly.Mortgage started 2020, aiming to clear 31/12/2029.5
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Well done for getting the pip form finished and off.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Well done on finishing and submitting your pip form and completing your regrading form, fingers crossed both are successful 🤞Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family5 -
Hope your weekend is going well?3
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