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Prosperous soul embraces creativity & mortgage neutrality
Comments
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It's great class are providing adaptions for you. As time goes on it will be easier.
Visits are good, especially as the plans are what you want to do instead of compromising.
Hope the family member has a speedy recovery.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Hope family member isn't too poorly.
NT membership is of huge value if maximised.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Thanks - I have heard of them - I do need to check them out.ohdearhowdidthathappen said:What a lovely dress! Sounds like you had a lovely evening
'Stupid tax' always makes me chuckle, I use it all the time now and even heard my husband mutter it the other day. Hope you manage to get your money back.
With SW, have you checked out Pinch of Nom? Their recipes are delicious and WW/SW friendly... they have books out, but there's also a website (apologies if I've mentioned before, can't remember)
Stupid tax is a way of letting go - I need to forgive my mistakes. I haven't followed up - I didn't have the energy... Will see whether that changes...
Thanks @powerspowers, MF and @m@mark55man
Relative seems okay so far.
I've had a nice few days - I went to the gardens - I'll post some photos after. I then decided to go swimming in the sea so bought a bikini and towel. I nearly got hypothermia in the water but glad I did it. So beautiful floating in the water even if it was only 12 degrees. I did however get bitten on my arms so am now super-itchy.
Had a relaxing day yesterday making art. Doing similar today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/255 -
I stopped at a nice pub on the way homeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/2510 -
Thanks DIA - It's a balance between using the membership and fuel usage. Used more fuel than planned because I added the beach to my trip but was desperate to not just see the sea but also go in it so don't regret it.doingitanyway said:Hope family member isn't too poorly.
NT membership is of huge value if maximised.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/255 -
Very pretty! 😁'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £0/£350
'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'4 -
Lovely photos. Cost of NT membership and fuel to visit is an investment in yourself. Perhaps you could keep a separate "you" budget pot so that you can chose how you spend the money and spend it guilt free.
Well done on the healthy eating5 -
How gorgeous is that garden! Do enjoy seeing poppies, seem fragile yet are so strong.
If you can budget for wellbeing, include extra for petrol and trips as they repay you with mental freedom.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Beautiful pics as ever.
"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 -
I'm a big fan of NT properties, I have to drag the rest of my family though. I always go often enough to make the annual membership worth it mind. I'm really slack with weighing up fuel costs on journeys, should start monitoring maybe.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4
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