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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Grumpelstiltskin said:Saving When you get your new drill / screwdriver and you are happy with it can you post the name on here. I am looking for a new one but don't know where to start.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 -
Blackcats said:Hope your day at work has gone well. Have you got time off over Christmas? My company closes for a few days so it's bliss not to go back to loads of emails.Looking forward to glimpses of your projects as you finish them
Yes I am off from wed 22/12 to 3/1 inclusive.
Waves @badmemory
I will follow up with the will writer tonight. So much to do!
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 29/7/256 -
savingholmes said:
...
I ran out of steam last night meaning neither the front room or my new study look the way they should. Like not going to open the front curtains today - messy -. I moved a unit - and dumped it's contents on a table, a chair and the floor. Looks like I've been burgled.
...Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Love your thinking GAP.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 Park4 -
Hi GAP and Tahlullah. Thanks for making me laugh. Just got home. Cooking macaroni for tea.
Need to email the will writer as you've all spurred me on.
Just picked up my post and my new bank details envelope had been ripped open. Thankfully the card and codes all arrived last week so I don't think they got more than T's and C's but worrying. It has been wet so could be an innocent explanation.
Curtain rings have arrived so they need to go up my to do list...
Hope you are all having funAchieve 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 -
Love the colour of your chair
Had that chair in the same colour as yours was, gave to a client whose need was greater than mine.
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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 -
Commiserations to Poppy, Mark and Chicker! Even more pages for you to try and catch up.MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12006 -
Thanks Beanie. Good to be generous. It is a very nice chair. Thrilled I got one for free. I do need to give it a second coat - but debating the colour still before I do but it is bright and cheerful. I've started using it in my new study while I decide.
I am currently sat at my new desk typing this - having cleared some of the painting detritus off the black top. It still of course needs putting away - as this is me we're talking about - but I have managed to fit most of it in one of those bigger woven shopping bags you can get. Tea is still cooking... I don't think the curtains will be going up tonight!! It is nice sitting in a proper chair at a big desk though. This room also heats up better than the front room, even without the curtains, as it's smaller.
Hot off the press - I have sent the info requested by the will writer - so hopefully they can now finalise the will for me.chicker said:Commiserations to Poppy, Mark and Chicker! Even more pages for you to try and catch up.
In more traditional MSE news - I had to completely reset my B banking app today on the phone to the call centre as it had a wobbly because I had transferred one of my accounts to S - Der and managed to completely ignore that I still had an account with them and a CC. All resolved in the end but added to the stress of a Monday and meant I got into work very late. The new account hasn't connected the fact I already have a CC with them - so I think it's going to be interesting for a while!!
I'm hoping the other transfer goes better - as I am due to transfer around £1K to them of my EF. I'm terrible for forgetting passwords though - and am already having to reset one of them.... Roll eyes! Why do they want to give you three or four different numbers or passcodes per account!! Crazy. I know moving to fingerprint could resolve that but I'm reluctant... Obviously watched too many thrillers and science fiction...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 don't know where you're getting the energy from, but everything seems to jump forward and you're cramming months of work into a day!
Mortgage started 2020, aiming to clear 31/12/2029.4 -
Hi MF. I cheat. I have left the cleaning and some tidying for my cleaner. My front room still looks burgled. Will try and improve it in the morning but resting now.
I have a pretty crystal and chrome floor standing lamp that I will bring down next time I go upstairs. That will work great next to my new chair.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 29/7/256
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