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Prosperous soul embraces creativity & mortgage neutrality
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Thank you MF, Beanie and Dancing. Currently at motorway services eating a strawberry tart with decaf coffee.
Some of my favourite images from today:
I love alliums so after going in the palm house behind me I sat on a bench journalling while admiring the view
I loved the water lilies. They had giant Lily pads
I loved the princess observatory particularly the cactuses and flowers
I found the art and sculpture installations interesting too including the hive. They played music tooAchieve 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 29/7/2510 -
Kew looks fabulous - so glad you had a good day. I love reading your diary, and Kew's been on my list for a while and I think your trip photos have given me the impetus I need to sort a day out there myself! Happy birthday
Aiming for mortgage free by September 2030
Balance 1.1.20 - £69,701.80
Balance 1.1.21 - £63,699.80
Balance 1.1.22 - £57,762.80
Balance 1.1.23 - £53,074.20
Balance 1.1.24 - £47,902.00
Balance 1.1.25 - £44,141.20
over payments 2025 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£3,0003 -
Happy birthday, or is it tomorrow? Happy birthday weekend any rate.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)3 -
Wow, they look fantastic, what a day you've had. Have a great 🍰 day!Mortgage started 2020, aiming to clear 31/12/2029.4
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Lauraebrad said:Kew looks fabulous - so glad you had a good day. I love reading your diary, and Kew's been on my list for a while and I think your trip photos have given me the impetus I need to sort a day out there myself! Happy birthdayskint_spice said:Happy birthday, or is it tomorrow? Happy birthday weekend any rate.Wow, they look fantastic, what a day you've had. Have a great 🍰 day!
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 29/7/2510 -
Happy Birthday for yesterday! Fabulous photos, glad you had a lovely time"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 McGee2
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good luck @savingholmes - I'm taking a little break from diaries so last post for a while - but you deserve your new found liberation and I hope you have a lovely summer enjoying your adventures and in your beautiful garden
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
jwil said:Happy Birthday for yesterday! Fabulous photos, glad you had a lovely timemark55man said:good luck @savingholmes - I'm taking a little break from diaries so last post for a while - but you deserve your new found liberation and I hope you have a lovely summer enjoying your adventures and in your beautiful garden
My garden is beautiful in a Secret Garden kind of way with lots of biodiversity hiding the original planting scheme!!My honeysuckle is now in full bloom I may take a photo of that later and post.
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 -
Happy Birthday for yesterday , the same day as my dad. Glad you enjoyed your short break . The photos have been lovely to see , and also those of your garden.Life is an adventure, never stop exploring.2
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savingholmes said:
My garden is beautiful in a Secret Garden kind of way with lots of biodiversity hiding the original planting scheme!!My honeysuckle is now in full bloom I may take a photo of that later and post.
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252
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