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Prosperous soul embraces creativity & mortgage neutrality
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Just caught up - well done SH and have a lovely holiday!Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
It means I have maintained proof of competence which helps with regrade and winning new work.Humdinger1 said:@savingholmes wonderful news though I am not surprised! Does this mean more open doors at workfare? Fab holibobs beckon love Humdinger xx
Thanks too @skint_spice
I'm sure it won't surprise you all that I haven't yet started packing. I have done the dishwasher. Before I go I want to also empty all the bins. Find some missing meds. Ideally take a photo of the meter readings and update them later etc etc etc. Still need to pack. Decide what food to take etc. Debating whether to batch cook before I go to save me taking as much stuff to cook with etc. I want to leave by 1pm as the earliest I can get in the cottage is 3pm. It might take slightly longer than that to get there - but my body speed today is definitely set to slow!!
I need to get my fave suitcase from DD who has been hogging it for all her trips. She's going to be home this week and looking after the cat.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 -
Hope you arrived when planned. Have a great time and fill us in on your adventures on your return.Mortgage started 2020, aiming to clear 31/12/2029.5
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Thank you MF. Didn't do everything. Got here 90 mins later than planned but safe which is the main thing. Immediately outside cottage I have these views. Good views from inside too
Very happy! I stopped at the services and bought mns strawberry tarts so going to sit on balcony with a coffee and enjoy one of them.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 29/7/2512 -
Well done on being debt free and passing exams. Views are lovely, enjoy your tarts!
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 #1244 -
Oh wow - what wonderful views! As others have said the exam pass is such a great start to your holiday so well done you! Have a wonderful break!🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Wow, that looks stunning. Have a lovely break!"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 McGee4
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Enjoy your break.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.5 -
Thank you Lucielle EH Jwil and Beanie
I felt especially blessed when I realized there were fresh flowers here too.
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 -
I missed your debt free day! Congratulations 👏
And congratulations on passing the exam. I also struggle with multiple choice exams, I read the question, know the answer and then doubt myself when I read the options.
Lovely view, enjoy the time away.Debt free Feb 2021 🎉6
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