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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Thank you MF and @Tahlullah.H
Well views don't come much better
My favourite plants in one place
A cunning design
Nature up closeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/268 -
I did over 7000 stepsAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/268 -
That is lovely! Well done on the steps too
"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 McGee3 -
Thank you Jwil.
I lost 3lb in my first week despite meal out. Hopefully I can do the same or better next week as I wasn't fully on plan.
I seem to be on a spending spree currently. Need to apply the brakes. Spent a lot more than planned at Mr As and bought more art stuff and clothes elsewhere. Will reduce next month's budget for clothes and art accordingly. Just over 2 weeks to pay day. Hopefully things will settle down soon.
Got a friend coming at the weekend to make art. Looking forward to it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/265 -
3 lbs !! Thats amazing ,well done ..All sounding really ,really good3
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Well done on the weight loss, just keep going. I seem to remember being told 3lb is max you should go for to keep it off.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30003 -
Thanks @try_harder and @skint_spice
Taken DD to work today. Exhausted from early start and drive.
I have my assessment date through for a couple of weeks time. Booked day off as even though it's a call I will need recovery time after. Sis has agreed to go on the call with me so need to set that up. They don't make the decision there and then so will still have to wait.
Just hope it is in my favour. I pay for support now so in real terms it would help cover those costs and free up my budget and take pressure off. Pretty please....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/268 -
3 lbs off is good.
Good news that you finally have a date.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's a great result, well done!
Good news that you've got an appointment, I'll keep my fingers crossed."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 -
That's a great number! Here's to many more following the first 3.
Good luck with the apt, as it's via the phone have prompt notes and write a few more recent examples to back up the submitted ones.
Mortgage started 2020, aiming to clear 31/12/2029.3
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