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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Well done on the weight loss SH.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
Just caught up with your diary. Well done on everything you are facing into. The weight loss is tremendous, good going! I don’t think you realise how strong you are mentally, it certainly comes thru reading your diary. Lots of support for you too. Celebrate all that you have achieved so far!6
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Thanks HSL.L9XSS said:Just caught up with your diary. Well done on everything you are facing into. The weight loss is tremendous, good going! I don’t think you realise how strong you are mentally, it certainly comes thru reading your diary. Lots of support for you too. Celebrate all that you have achieved so far!
I rang the mortgage company - but their payments team want to speak to me Friday so I have an appointment for then. I'm off that day anyway so that works. If I've calculated it correctly it would save me £146 in interest in the first month.
I've defrosted some sort of meat casserole from the freezer and am going to have it with roasties, carrots, broccoli and beans. Looking forward to that.
I did 15 minutes at lunchtime chopping up branches to fit in my bin before it started raining again... My bedding plants are looking cheerful. Still not planted the next lot. Hopefully tackle Friday.
Meeting my sis around 10 tomorrow to do our trek down South.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 29/7/257 -
Hope it all goes well."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
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Thanks Jwil
I just finished work at 7.30pm - and have caught up on most of the hours I owed. Less than an hour owed now which is a relief. I had hoped to cut up more branches / twigs (very therapeutic) but it started raining as soon as I went out. My front lawn is closer to brown than green and I'm on a water meter - so still a win. I want to plant some bedding plants where I can see them when I look out the front window as my other flowers have died back now. In the back garden I have redcurrants, a few blackcurrants, raspberries and cherries ripening (the ones the birds don't get). I also have apples and plums on the way.
Cleaner has been which is always lovely.
My roast dinner was gorgeous. It was a single portion of roast beef with carrots in (thin) gravy. Thanks past me. The roasties were amazing - had them with parsnips, broccoli, carrots, green beans and onions. I had intended the roasties to last several meals but they all went! A welcome change from fish salad! I ate earlier today around 2pm but that still gave me 14.5 hours without food. I then also had meringues, (defrosted) forest fruits and raspberries plus a banana and an apple. Sweet tooth - me? What gave me away? Then followed that little lot with porridge for tea. Last night I ate chocolate around 10.30 and then porridge around 11.20pm and couldn't get to sleep until 1am. Need to avoid that mistake today. Eating some pecan nuts at the moment - gorgeous.
Not sure what I'll do for food tomorrow. I'm taking some fruit, nuts and SW bars with me. We are hoping to eat one meal out - with sis and DS if I'm lucky - but will probably skip the 'wake' food/bit. I'm paranoid about covid too - so think I will wear a mask which may not go down too well. Hopefully it will also act as a deterrent to the random huggers and even family ones!! With something like 1 in 35 people having covid currently - the chances of there being no-one there who is contagious seems slim. I'm expecting a big turnout - as she was very active in her local church - not that I know how big that was. Like me, she also came from a big family - who then had kids etc too. I find the thought of going at all really stressful - before the added difficulty of the sadness of the occasion. Hence trying to focus on what I can control like mask, food, potentially seeing DS etc. I also prefer to drive - but so does sis - so she won that one. I hope that that also turns out okay. Need to dig out ear defenders to take with me too.
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 29/7/257 -
Hope all goes well tomorrow.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 -
Good luck tomorrow, you've organised everything within your control.Mortgage started 2020, aiming to clear 31/12/2029.4
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As you say, control what you can. I hope it goes wellIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Thinking of you, and hoping you get through the day with as little trauma as possible.You're doing really well with everything so hold your head high. ((((hugs))))XXXXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy4 -
Thanks all 💗
The service went as well as these things could. Met up with DS for an hour and found somewhere nice but expensive to eat. Hopefully about to set off home soon. Hours to go yet...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 29/7/258
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