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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Glad to hear you did not do any harm to yourself Savings! Keep positive!!!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 -
As another diarist often says, keep plodding...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) 25/07/20254 -
No didn't appeal as we were happy enough - just interesting how they interpreted it. One example is DS isn't that keen on showers - and does so less frequently than might be considered usual. This made a big impact on the interviewer who obviously was super clean and we felt the interview was more sympathetic after that exchange.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
Thanks Tahlullah, DIA and @mark55man
From what I read it is so much down to who does the interview. Really hope I get someone helpful to my case.
Looking at my garden - if I look past the weeds - I have flowering brambles
white roses, pink roses, a smoke bush in flower, pink geraniums in flower, lots of flowering white clover in what should be my front lawn! My sea holly is about to flower in the front. I have flowering lavender, petunias, busy lizzies and begonias. Unfortunately I also have lots of flowering weeds... My yellow honeysuckle and purple rhododendron are just finishing flowering as are my aquilegia. I do have spiria in flower (pink plumes of flowers) and syringa white flowers... My baby apples are developing well... Need to check if I have any berries... Not bad for an over-grown garden... I have 2 variegated purple hebes in flower... 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 10/10/256 -
Smoke bush
Definitely biodiverse LOL (brambles)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 10/10/256 -
Some pretty parts. Bees happy
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 10/10/256 -
Lovely pictures!"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 McGee4
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Loving the lavander.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Caught up on your diary. The dress was beautiful! Reading through your posts, you are sounding lighter, freer and happier, which is lovely. Your visit to Kew sounded wonderful. My DD has to go there for research for an essay and loved it.
Your garden pictures are beautiful. The range of flowers, be they considered flowering weeds or garden flowers, are providing a rich habitat for insects, especially bees and butterflies.
Interesting to read about your ADHD . My DD1 has recently been diagnosed and came home and said she was certain I have it. I was somewhat shocked as I had only come across how ADHD often presents in boys. A colleague read out a list of symptoms of ADHD in women and I was truly shocked, as I could tick so many off😵. I’ve done some further reading and one article included a financial element, so when you talk about overspend, it may be linked?
Well done on joining the SW. The weight loss is sounding very impressive. Your post about your manifesto to yourself was inspiring to read.
Have a good Sunday.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
The garden is gorgeous and weeds are plants in the wrong place. A 2 weekly gardener may be beneficial and something to consider as P1P is to help cover extra costs due to health. That way you'd be free to potter / enjoy it.Mortgage started 2020, aiming to clear 31/12/2029.5
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