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Prosperous soul embraces creativity & mortgage neutrality
Comments
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@savingholmes you utterly wonderful woman!!!! I hope you're celebrating, even if modestly. What a mountain you have climbed. So proud and happy for you. Looking forward to the next adventures! Onwards and upwards love Humdinger xx7
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Absolutely the best news of the day. Congratulations Savings, You deserve your success after all the hard work.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park6 -
Wonderful news! So pleased for you. Good luck with the next chapter.Aiming to early retire December 31st 2026.5
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Thanks @beanielou @Sunshine_girl2 @jwil @DancingInTheRain @Fortune_Smiles @Orangetoes @skint_spice MF @boxofpaws @Four_Seasons @Humdinger1 @Tahlullah.H @glass_half_full
Really appreciate all the well wishers. I bought myself some Alice themed side plates and bowls as my treat from Mr A.
DD has a red letter day yesterday. She insured the car in her name and drove Ex around for an hour. It doesn't seem as damaged as it first sounded - but she needs to get some quotes. It certainly seems driveable. It had a slow puncture so Ex has returned today to fix it which is kind.
I've finished work early today. I might do some work at some point over the long weekend to catch up but didn't have it in me today. It is having that kind of flexibility that keeps me in my current role...
Seeing my counsellor later today. I may go and mow the front lawn.
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 -
Congratulations SH! I haven't ever doubt for 1 second that you will achieve everything you set out to do.You set out to be debt free and realised along the way that debt was not the only thing that was making you unhappy. Tackling that took courage, grit and determination, including coping with Family opposition, and you came through with Flying Colours.The only thing I wll say is tackle one thing at a time... remember we eat the Elephant one bite at a time
Great that DD is getting the car sorted, hopefully without too much outlay, which will give her independence and hopefully give your free time back to you!Sending ((((hugs)))) and loads of good wishes. XXXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy10 -
The little perks are what make a good job even better.
Hope your session went well.
Keep rolling in the positivity, plan fun things and let everything fall into its natural order.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Well done SH, you have done amazingly!!Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!4 -
Congratulations on becoming debt free, absolutely amazing news. Well done!
H x5 -
Congratulations on your debt freedom!
Wonderful work.4 -
I’m so happy to read your debt free update! You’ve come so far and shown a lot of grit and determination to get to here. Well done 😁Debt at LBM (Dec 2018): £23,167
Debt free Feb 20216
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