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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Maybe I am not allowed to post links but there is a Michael Mosley show on the bbc sounds app about standing on leg.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Only one I can do is sit cross legged!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
Am good at falling though! Fact.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.4 -
Lots & lots of fantastic positives here.savingholmes said:
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.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.4 -
@savingholmes you are doing so brilliantly; as for the brother, who put him in charge?5
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Hi savingholmes, just popping in to catch up and I love the chat about balance and standing on one leg. It was an article in the British Journal of Sports Medicine - 20 seconds or longer is good. The previous advice I saw was to practice when you are brushing your teeth and to eventually try it with your eyes closed. Also agree with @jwil about being able to get up off the floor. Its surprising how you lose your strength and then later in life if you have a fall, you might not be able to get yourself up, especially if you're injured. In our exercise class we do lots of getting down on the floor to do exercises and then getting up again. Its slightly annoying, but reading this has reminded me how important these little things are
"Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
Just One Thing is the name of the thing - lots of episodes about small things you can do to improve health that are official study-linked.skint_spice said:Maybe I am not allowed to post links but there is a Michael Mosley show on the bbc sounds app about standing on leg.
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20254 -
Thanks all. Interesting debate!
Glad to have finished work for the week. It's slightly cooler here today which is nice. It reached 28 yesterday which was too hot for a working day
I skipped my balance classes this week and next week isn't looking good either - if I go to the funeral. Still debating attendance - but if I go it would use up 2 days leave - as I'll be too knackered to work the next day. Sis may drive me. Still not sure whether to go or not - but it's not something you get a do-over for! I looked at getting an overnight stay - but all the options were dearer than I'd hoped... I think the strikes have made it worse. Going will also cost a lot in fuel and may cost for accommodation unless we do a return trip in the same day.
I've not had the best diet week. Tried to reset my body by not eating until late afternoon today. I didn't feel hunger pangs - just wanted to eat from habit really. This contrasted well with the last two days where I ate far too much. Instead at lunch I spent 20 minutes weeding and pruning in the garden. I then had a 3 egg omelette with cheese, onion and peppers as an early tea.
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 10/10/257 -
Have a good weekend
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 -
Thank you for the meal idea. I was struggling trying to think of something and now I'm tucking into my 3 egg omelette with cheese, onion and peppers!savingholmes said:...
...I then had a 3 egg omelette with cheese, onion and peppers as an early tea.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 -
Thanks Beanie and GAP. Glad the meal idea helped.
I find omelettes in particular do help settle cravings. Just been out to the pub with my neighbour. I just had soft drinks - she paid for one of mine - so only £2.75 spent. Result. Nice to get out and have someone to talk to for a bit. It was a relatively quiet pub so was fine. Feel sorry for the landlady though as in the past I've seen it full on a Friday night and there was hardly anyone in.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
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