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Prosperous soul embraces creativity & mortgage neutrality
Comments
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That article sounds interesting can you share?5
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Sorry to hear its all a bit hectic no advice there other than you will get through it. My OH got some new curtains for our bedroom to match our new grey scheme, and although not blackout they are much darker - both our sleep is much betterI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Just catching up...sorry to read about your loss and your brother’s comments. Will the PIP decision be quite prompt? Love the “ Life is a rollercoaster” design.
That year has flown by. It’s amazing how much you have achieved in that time.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
I looked this morning but couldn't find it again. It's things like being able to stand on one leg with hands by sideWelshmansDaughter said:That article sounds interesting can you share?
Doing 40 push ups
Being able to climb 4 flights of stairs unaided and without stopping for breath
Being able to sit cross legged (I can't have a problem with hips)
Speed of walking - so a mile in 15-18 minutes
Being able to get up from a cross legged position without using anything or any part of your body to lean
I thought it was in the daily wail
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 10/10/254 -
The PIP decision is likely to take another 7 weeks - and that's if I don't have to appeal. If I get it - it's backdated to mid Feb though so I would get a chunk of £.Honeysucklelou2 said:Just catching up...sorry to read about your loss and your brother’s comments. Will the PIP decision be quite prompt? Love the “ Life is a rollercoaster” design.
That year has flown by. It’s amazing how much you have achieved in that time.
The year has flown. I keep reminding remind myself of all the positives that have come my way that I could never have predicted. Gift of £4K. Other small gifts. Getting out of debt. Sales of random stuff. Having an EF. Getting my regrade - and it being backdated to December - so getting backpay there too and a further increment towards Xmas. DD and DS getting jobs in that time and no longer being official dependents. DS moving out. The balance class. More recently the occasional swim. Start of new friendship circle of neighbour, someone from the gym and a previous writing instructor. Having £ for trips and time away. I've had enquiries about my art but not translated into sales yet but it gives me hope - I even had one last Friday. My MH improved significantly - although still struggle. Started weight loss journey.
Grateful that I've paid £4.5K off the mortgage now. My work DB pension is still growing. Should now be worth £10.5K per year - plus have another DB at £3.8K plus only 3 more years needed for full state pension entitlement when I'm old enough. I am worried about what the gov are doing on pension age. It looks like I may get stung by the changes planned for 2037-39. I think it may only be a month or two difference but still really irritating. It matters because my current DB pension is tied to it...
Thanks Mark too.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 10/10/258 -
The vast majority of people wouldn't be able to do 40 push ups. If it was in the Fail though I'd take precisely zero notice of it - they're not big on fact checking, just on attention seeking headlines.savingholmes said:
I looked this morning but couldn't find it again. It's things like being able to stand on one leg with hands by sideWelshmansDaughter said:That article sounds interesting can you share?
Doing 40 push ups
Being able to climb 4 flights of stairs unaided and without stopping for breath
Being able to sit cross legged (I can't have a problem with hips)
Speed of walking - so a mile in 15-18 minutes
Being able to get up from a cross legged position without using anything or any part of your body to lean
I thought it was in the daily wail🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Ah. Seems a bit arbitrary- wouldn't be able to climb stairs if in a wheelchair but could still be fit.savingholmes said:
I looked this morning but couldn't find it again. It's things like being able to stand on one leg with hands by sideWelshmansDaughter said:That article sounds interesting can you share?
Doing 40 push ups
Being able to climb 4 flights of stairs unaided and without stopping for breath
Being able to sit cross legged (I can't have a problem with hips)
Speed of walking - so a mile in 15-18 minutes
Being able to get up from a cross legged position without using anything or any part of your body to lean
I thought it was in the daily wail
With the dyspraxia your energy distribution and rate of exertion would be different anyway so you would not find many 'chart type' measures that would be meaningful.5 -
I can't stand on one leg for 8 seconds...3
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Great news on the regrade, and well done on the weightloss!
I saw that article, it was in the fail. I have seen something similar before though, and I can't do many of them!
There is something in it - balancing on one leg for 30 seconds or something, and getting up off the floor - those are quite important to try and keep the ability to do as we get older, but it's clearly not accessible or possible for everyone."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 -
40 Push ups is a huge ask! I am happy to walk between 10 and 15 miles in a day, but 40 push-ups? Absolutely no way!#2 Saving for Christmas 2024 - £1 a day challenge. £325 of £3666
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