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Prosperous soul embraces creativity & mortgage neutrality

Comments

girlatplay Posts: 3,884 Forumite

20 June 2022 at 9:40PM

Hooray, I've finally caught up! Really went for it tonight.

#TeamDontReallyLike but if I was forced I could probably swallow strawberry although not much.

It's a shame you've got so long to wait for the P1P outcome. I feel that everything is taking so much longer to decide these days.

Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.

House buyout fund £21,000/£40,000

7
savingholmes Posts: 28,979 Forumite

20 June 2022 at 11:27PM

Thanks for catching up GAP

I feel that way about the other flavours. Childhood treat.

Lost half a pound so 8 so far. I did some batch cooking tonight and froze some stuff so hopefully can stay on plan. Made some overnight oats too. Bought more mackerel to have with salad etc.

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
11
girlatplay Posts: 3,884 Forumite

21 June 2022 at 1:02AM

8 is great!

Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.

House buyout fund £21,000/£40,000

5
MovingForwards Posts: 17,150 Forumite

21 June 2022 at 7:11AM

That's over half a stone you've lost!

Mortgage started 2020, aiming to clear 31/12/2029.
5
savingholmes Posts: 28,979 Forumite

21 June 2022 at 12:00PM

Thanks MF and GAP

I feel wiped out today. Struggling to keep my eyes 👀 open for work... Doodles though I can 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 29/7/25
10
EssexHebridean Posts: 24,426 Forumite

21 June 2022 at 12:09PM

That's ace - so cheerful - and absolutely accurate too!

🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25

SOA CALCULATOR (for DFW newbies): SOA Calculator

she/her

6
girlatplay Posts: 3,884 Forumite

21 June 2022 at 12:17PM

That song is going to be stuck in my head all day now SH! I really like the doodle.

Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.

House buyout fund £21,000/£40,000

5
greent Posts: 10,787 Forumite

21 June 2022 at 2:09PM

I think that doodle would make a good print on a fabric

8lbs is brilliant! 👏

I am the master of my fate; I am the captain of my soul

Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL

Net sales 2024: £20

6
savingholmes Posts: 28,979 Forumite

21 June 2022 at 2:37PM

Thanks GAP, EH and @greent

I agree. I could see a number of my designs working well as prints. I should investigate

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
8
beanielou Posts: 95,697 Ambassador

21 June 2022 at 6:59PM

Liking that doodle muchly

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.
6

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