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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • jwil
    jwil Posts: 22,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    JGB1955 said:
    jwil sai
    Jwil did you get to Lundy without being seasick?
    I haven't been to Lundy, so it must be someone else.  I'd love to go sometime though!
    It was @EssexHebridean who recently visited.  I came back on Tuesday, having had an 'unexpected' helicopter flight on the previous Saturday.  Can't beat the place (other than the multiple 350' climbs down to/up from sea level)!
    Hmmm... better get a bit fitter then!
    "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 McGee
  • EssexHebridean
    EssexHebridean Posts: 24,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    Jwil did you get to Lundy without being seasick?
    I haven't been to Lundy, so it must be someone else.  I'd love to go sometime though!
    That will have been me - and yes, not too bad a crossing this time, although I’m fairly resistant to sea sickness anyway, MrEH sometimes suffers though but he was ok this time too. 🙂
    🎉 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
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    JGB1955 said:
    jwil sai
    Jwil did you get to Lundy without being seasick?
    I haven't been to Lundy, so it must be someone else.  I'd love to go sometime though!
    It was @EssexHebridean who recently visited.  I came back on Tuesday, having had an 'unexpected' helicopter flight on the previous Saturday.  Can't beat the place (other than the multiple 350' climbs down to/up from sea level)!
    Welcome to my diary... @JGB1955 Waves @jwil too

    @EssexHebridean - you do make me want to visit - although it sounds like I would need to be a lot fitter to get the most out of the experience. Your photos are always stunning.

    @Alchemilla the Lakes were gorgeous. It's nice being back home too though. I did some pouring type painting with a new friend last night and it went well so that is positive. One of the nicest bank holidays I've had in a while. 

    I am planning to make more art today too. I am also visiting my sis one day this week. I have a week planned of art, writing, seeing people and the decluttering / organising thrown in the mix in between. I also have a counselling appointment.
    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 10/10/25
  • doingitanyway
    doingitanyway Posts: 10,344 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    The book sounds as if it is coming along and glad you are back into it. 

    The week you have planned sounds good.
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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