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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you Beanie MF and EH  @Four_Seasons

    Thankfully despite a blow out food wise I still lost weight today. Hopefully my first weigh in will still be good on Monday.

    My laptop charger broke last night. So had to buy another. It was insured however as I frequently break them so hopefully they will repair or replace or send gift card.

    I am debating whether to go to my fave garden or whether to do something more local like the park or swimming. My eyes are still playing up though and I wonder if I would be better going next week or if it would be too busy... Will see how I feel in a while
    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
  • Gorgeous dress 😍 so pleased you had a lovely evening, hope you have a great weekend x
  • The dress looks lovely! 😍 
    DNF: £708.92/£1000
    JSF: £708.58/£1000

    Winter season grocery budget: £600.85/£900

    Weight loss challenge 2024: 11/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb
    End weight: 8st 13lb

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • jwil
    jwil Posts: 22,016 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a lovely dress!
    "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
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Lovely stylish dress @savingholmes
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Don't be so hard on yourself over the business, I did something similar and had to pay a lot more in NI as I couldn't see a way to get out of it on the form, unlike when I submitted it the year before. I quickly cancelled everything after that!

    Have you got antiH or drops from the chemist, as pollen and grass flower things are popping up everywhere. 

    A small bike pump is cheap and doesn't take much space, be a mini arm work out too. 

    The NT trips are going to do you a world of good, exercise, seeing new things, going to new places and getting fresh air. 

    Plans are getting bigger, better and more positive with each update.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    badmemory said:
    You won't find the number on the website because it isn't there, they wouldn't want people to contact them would they?  It is on the bills though.  0333 202 9802.  Good luck!
    Thank you badmemory!
    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
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    The dress is beautiful Savings.  No doubt, you looked fantastic!  
    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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