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Prosperous soul embraces creativity & mortgage neutrality

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  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Did you keep a copy of the P1P form and notes? Lift the info from that and perhaps scan through your diary for more.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So here's a question for you:

    Where in your life are you neglecting yourself?

    When I asked myself this question a few months ago I was really shocked at the answer which seemed to be - habitually, almost everywhere.

    It's one of the reasons I'm trying to create new habits like the balance classes and now SW and putting more money in my budget for fun like art - and for experiences like my recent trips away. Something simpler and closer to home - I've just replaced 3 bras. I used a 15% off code for 2 of them today. I can't remember when I last did that - even though my current ones hurt, barely fit and gave me backache!! Earlier in the year I invested in 2 pairs of new trainers and I'm still loving them - particularly the more expensive ones. In fact if anything I wish I'd bought a second pair of snazzy ones in a different pattern rather than a plainer pair that I was willing to get dirty... 

    Where do you need to create new habits?

    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Good luck with SW.

    That's a really good question about neglecting ourselves. For me I'd say in most areas from the beauty pampering side to a lot of what I enjoy eg art and photography and even down to being in the wrong job. Once the latter is sorted out, I can begin to focus on everything else as I'll be happier overall.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Mickyh-s
    Mickyh-s Posts: 287 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    Very inspiring @savingholmes I will take something from your words.
    Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,000
  • kaycastle
    kaycastle Posts: 419 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    What a lovely and inspiring Post :)
    Mortgage start: April 2024 - 295k  Current £256k
    Emergency fund: 13.5k/15k 
    Current mortgage free year: 2054 2039
    Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
    The little joy list
    Books read: 41 (2024) | 12 (2025)

  • greent
    greent Posts: 10,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love that post x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    What a fantastic, uplifting post Savings.  Most could not dream it, more the less articulate it.  I wish you all the best going forward in your journey to You. 

    May I aspire to this level of self care!
    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 Park
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