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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Thank you everyone. DS and I had a lovely time. We are not shown in the photo
And the most hated office of all
with the infamous quill
I didn't notice this last time presumably it was from the Triwizard ball
Afterwards we went to a fab pub and had gorgeous steak
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/2610 -
Loos fabarooni.
My DS would have loved it!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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
That looks amazing! I'd love to go there."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 McGee1
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Well I have absolutely loved catching up on this diary! What a lot of good news! You sound so upbeat. I might even be inspired to go for a swim😀Debt Jan 2017 = £42kMay 2022 = £15k2
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Looks like a good day!! Enjoy the rest of your break SHMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £5,075
MFW 2026 #27 0/£10002 -
Beautiful flowers. Journaling in a natural environment sounds good too
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Thank you Beanie, @powerspowers @boxofpaws DIA and Jwil
It was my second time going to HP world but worth it. Apparently they are adding greenhouses in July and making it bigger.
Off to Kew today. My parents put their gift in my account which is lovely. HP gave me birthday badges which I wore like the child I am. I brought my cards with me and opened them at breakfast.
I am glad it's helping. I try to be real but still positive.boxofpaws said:Well I have absolutely loved catching up on this diary! What a lot of good news! You sound so upbeat. I might even be inspired to go for a swim😀Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/269 -
That looks wonderful, enjoy Kew!Mortgage started 2020, aiming to clear 31/12/2029.3
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Looks like a wonderful way to spend a birthday! Enjoy Kew x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
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Have the very happiest of days
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4
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