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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Excellent news, well done you!4
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Well done, have a brilliant holliday x4
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Congratulations, and enjoy!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 Park4 -
Well done on passing the exam! Enjoy your holidays x4
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Congratulations on the exam, and enjoy your holiday!"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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The pass is a good start to your holiday!
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Well done SH! Knew you could do it.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living3 -
Great news SH, but my mind is in overdrive trying to imagine why on earth an invigilator would need to look around your room!Things are starting to fall into place for you and I'm so glad. ((((hugs))))XXI 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 unhappy4 -
They check for other people, other people being able to signal you at patio door, recording devices, smart watches, headphones etcChrystal said:Great news SH, but my mind is in overdrive trying to imagine why on earth an invigilator would need to look around your room!Things are starting to fall into place for you and I'm so glad. ((((hugs))))XX
Any extra notes which is ridiculous as it's an open book exam and you can just write what you want in it.
Only just finished work!!!! But I am off for 2 weeks so worth it. I also owed time but effectively worked an extra day this week. Back in credit. Swings and roundabouts.
Thank you to the 13 people who posted. I appreciate you all but am too tired and on my phone to individually acknowledge you all.
Now I am writing my list of what to pack and things that need doing like pick up meds.
Definitely have ADHD type brain. Awaiting diagnosis on that though.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 10/10/259 -
@savingholmes wonderful news though I am not surprised! Does this mean more open doors at workfare? Fab holibobs beckon love Humdinger xx6
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